At Premier Capital Investments, we often see investors make the same costly mistake—shopping for money too early. It is one of the biggest blunders in real estate investing. The truth is, it is always easier to secure funding when you already have a deal under contract.
Why is this so important? Until a property is under contract, it is still available to anyone. No lender wants to spend time or resources on a property that could be taken off the market at any moment. Securing the property first will always put you in a stronger position.
The 4 Steps to Put a Property Under Contract
- Prospect and review potential properties
- Write and submit offers
- Get your offer accepted by the seller
- Deposit earnest money in escrow to complete the contract
Once these four steps are complete, you have a fully executed Purchase and Sale Agreement. The property is officially under contract, and you are ready to begin looking for funding. Always be sure to include a contingency clause in your contract to protect yourself in case financing falls through or unexpected issues arise during due diligence.
If you are ready to move forward and receive a term sheet, fill out the form at the bottom of this page. A member of the Premier Capital Investments team will contact you within 24 business hours.
5 Reasons Why Investors Choose Private Money
- Speed: Real estate is time-sensitive, and private money moves fast. Depending on how quickly you submit your documents, funding can happen in just a few weeks, compared to two to three months with traditional loans.
- Focus on Collateral, Not Credit: Private money lenders care most about the property itself. Your credit score is less important than the value and potential of the deal, since the property is the asset backing the loan.
- Abundant Opportunities: Private funding sources come from individuals and organizations seeking better returns than traditional investments such as CDs, stocks, or IRAs. This creates a large pool of available capital for qualified real estate projects.
- It’s Creative: Private lenders can finance opportunities that banks often reject. Properties that need repairs or unique deal structures can still qualify under private lending guidelines, making them ideal for investors looking for strong fix and flip opportunities.
- Flexibility: Private money lenders are not bound by strict institutional rules. They can offer customized terms and structure funding solutions that fit the specific needs of your project.
Having a trusted private money partner like Premier Capital Investments gives you the confidence to put properties under contract, knowing the funding you need is available. When you find a promising deal, complete your due diligence and submit your application so our team can help you move forward quickly.
Finding the Right Fix and Flip Property
The foundation of every successful real estate investment begins with finding the right property. To help guide investors toward profitable opportunities, Premier Capital Investments follows a five-point strategy aimed at identifying the best deals those with the highest potential and lowest risk.
At Premier Capital Investments, we are interested in funding projects that will give you the best opportunity at realizing success. Therefore, our criteria is centered around these 5 points:
The Premier 5 Point Property Criteria
- Property Value Within the FHA Cap
Homes above FHA limits are more likely to experience price fluctuations and market volatility. Staying within FHA ranges helps maintain investment stability and appeal to a broader buyer base. - One to Four Units
Investing in properties with up to four units increases your ability to attract more buyers, including those using FHA loans, which broadens your market reach. - Priced at or Below FHA Requirements
FHA loans make homeownership possible for many first-time buyers, expanding your potential buyer pool and helping your property sell faster. - Smaller Homes with No More Than Five Bedrooms and Three Baths
The largest segments of buyers today—Millennials and Boomers—both prefer smaller, more manageable homes. Millennials are just starting out, and Boomers are looking to downsize, making homes in this range highly desirable. - Less Than Two Acres
Both of these buyer groups generally want less maintenance and lower upkeep costs. Smaller lots are easier to maintain and keep expenses manageable.
Types of Deals Premier Capital Investments Funds
Premier Capital Investments provides funding for sound, value-driven real estate opportunities such as fix and flip projects, rental acquisitions, commercial properties, and construction loans.
Types of Deals Fast Private Money Lending Funds
Loan Terms
- Maximum Loan Amount
Bring us your deal! there’s no preset cap on the loan amount if the numbers make sense. Premier Capital Investments offers flexible financing options starting at $30,000 and extending up to the FHA cap in the county where the property is located. Additional funding solutions may be available depending on the property under contract and the type of loan requested. Call us today to discuss the best option for your investment. - Rates
Current interest rates begin at 7% annualized, with origination fees ranging from 0% to 5%. There are no prepayment penalties. While rates may vary based on credit score, loan approval is primarily determined by the strength of the deal, not personal credit. - Loan Term
Loan durations range from 6 months to 2 years for fix and flip projects, and up to 30 years for buy and hold or refinance loans. One loan is approved per applicant initially, with additional projects considered upon establishing a successful funding and repayment history.