In Partnership With

Fast Easy Investment Loans

Kiavi is one of the nation's largest hard money lenders, having originated over $30 billion in loans and funded more than 100,000 projects across 49 states. Their technology-driven platform lets you secure pre-qualification letters 24/7 and close in as few as 7 days — no chasing pay stubs, no bank bureaucracy.

Most investors know their purchase price. Most know their repair budget. Fewer know what the property costs them on a Tuesday afternoon while the contractor is two weeks behind schedule and the house is sitting empty.

That number has a name: your daily holding cost. And if you don't know it, you're making decisions in the dark.

Take the annualized cost of every ongoing expense attached to the property:

Add them up. Divide by 365.

That's your daily number. On a typical fix-and-flip with a hard money loan, don't be surprised if it lands north of $100 a day — often considerably more. A $150,000 hard money loan at 12% interest alone is $49 a day before you've paid a single utility bill or insurance premium.

Write that number down and put it somewhere you'll see it.

When a contractor tells you he'll be done in six weeks and it turns into ten, that's not just an inconvenience. At $125 a day, a four-week delay costs you $3,500 — money that comes straight off your net. Knowing your daily cost gives you a specific, dollar-denominated reason to stay on top of your subs and enforce your schedule. "We agreed on six weeks" is a complaint. "Every week this runs over costs me $875" is a conversation.

I take it one step further. My construction agreement includes an incentive clause built around this number — finish ahead of schedule and the contractor earns a bonus for each day. Finish late and the same amount comes off the final payment. Weather-related delays are considered before any penalties apply. It focuses the mind considerably.

Markets shift. Permits take longer than expected. Contractors go sideways. Each of these events has a price tag, and your daily holding cost is the unit of measurement. When something goes wrong, your first question shouldn't be "how annoyed am I?" — it should be "how many days does this add, and what does that cost?" That reframe turns emotional reactions into financial decisions, which is exactly where your head needs to be.

This is where most investors leave money on the table — not by accepting a bad offer, but by rejecting it without doing the math. Say you're holding out for $10,000 more than a buyer's offer. At $125 a day, that's 80 days of holding costs to recover the difference — assuming you find a better buyer, which is never guaranteed. Sometimes the "low" offer is actually the right answer. Your daily cost tells you when.

This calculation is especially critical if you're carrying a hard money loan. Hard money is expensive by design — it's short-term bridge financing, not a long-term hold vehicle. The meter is always running. Investors who forget that tend to discover it at the closing table.

Know the number. Let it inform every decision you make from the day you close to the day you sell.

Roger here: I sent Chris a client just last Friday and they had the pre-underwriting done 15 minutes after he submitted the application. Chris told me they have built an AI model to underwrite loans and review with 2000 loan programs nationwide to find the best options. It really works.

Now YOU can learn to originate commercial real estate loans, get certified, and start earning commissions with a built-in network of lenders and investors. Click the image and schedule a call with the company founder Chris. Get your (lucrative) side hustle going!

PropStream Pro gives you free skip tracing worth $6,000 a year, click-to-dial calling, and automated lead tracking on 50,000 properties — all in one platform serious investors are already using. Try it free for 7 days and see why the competition can't keep up. I have used Propstream for years and highly recommend it. - Roger

Find Properties

🔍 PropStream — PropStream Pro includes free skip tracing worth $6,000/year, click-to-dial calling, and automated lead tracking — all in one platform. Try it Free for 7 Days

🔍 REIKit — All-in-one CRM and deal management for wholesalers and flippers. AI-powered and built for volume. Start a Free Trial

Financing & Capital

💰 New Silver — Fast online loans for real estate investors. Apply in minutes, get funded in days. Get approved in less than 5 minutes

Tools & Tech

🛠️ Rentec Direct — Property management software for landlords who want less headache and more control. Start a free trial

🛠️ Carrot — The investor website platform that actually generates leads. Roger has used it personally for years. Get Started

Professional Services

⚖️ Choice Home Warranty — Protect your rentals and listings from surprise repair costs. Get a free quote today. Get Your No Obligation Quote

⚖️ Northwest Registered Agents — The most trusted registered agent and business formation service in the industry. Get Started

Short Term Rentals

🏖️ AirDNA — STR market data for 10 million+ properties across 120,000 markets. Know before you buy. Create Your Free Account

🏖️ Turno — Automate your STR cleaning and turnover. Syncs with Airbnb and VRBO automatically. Get Started for Free

🏖️ Hostfully — Hostfully is the all-in-one STR property management platform that syncs your listings across Airbnb, VRBO, and 60+ channels — from one dashboard, with one set of tools. Schedule a demo with Frank.

More tools, more resources — browse the full library here.

Build out this apartment complex in metro Atlanta. Appraised at $11M. Asking $6.8M. Click for details.