RCN Capital Blog

5 Must Haves Before Jumping Into Your First Fix and Flip

Written by RCN Capital | May 9, 2024 5:43:29 PM

Starting up your first fix-and-flip project is exciting, but it can also be a daunting endeavor. To guarantee your success and maximize your investment, it is necessary to start with the right tools and resources. Here are some must-have essentials before jumping into your first fix and flip venture.

Research

Before purchasing a fix-and-flip property it is important to conduct thorough market research and an analysis of each property. Investigate property values, trends in the market, sales comparisons, and the potential renovation costs to ensure it is the best option for you. Take your time with your research because it may help you avoid any risks and guarantee your return on investment.

Determine your Budget

The entire purpose of a fix and flip is to make a profit. Take time to determine your budget in its entirety to ensure you make money in the end. Consider repair and renovation costs, closing costs, holding costs, and down payment or interest rates if financing. To be extra safe during your first fix and flip it is also important to make sure you have an emergency fund. Things don’t always go how we want them, so it's good to be safe and secure with a pool of money you can dip into if necessary.

Explore Financing Options

When it comes to financing your fix-and-flip project, a thorough exploration of various options is paramount for success. Consider the following points to guide your decision-making process:

  • Traditional Mortgages: Traditional mortgages offer long-term financing options with potentially lower interest rates compared to other methods. However, they often come with stringent eligibility criteria and lengthy approval processes, and they may not offer funds to cover renovation expenses.
  • Hard Money Loans: Hard money loans provide faster access to capital with less emphasis on creditworthiness or collateral. While they typically have higher interest rates, they can be advantageous for short-term projects where speed is essential.
  • Private Investors: Partnering with private investors offers flexibility and customization in financing terms. This option may involve negotiating terms directly with investors, providing opportunities for creative financing solutions tailored to your specific needs.

When evaluating financing options, consider the following factors:

  • Interest Rates: Compare interest rates across different financing options to determine the total cost of borrowing and its impact on your overall profitability.
  • Loan Terms: Assess the repayment terms and flexibility offered by each financing option to ensure they align with your project timeline and cash flow projections.
  • Eligibility Requirements: Understand the qualification criteria for each financing option, including credit score, income verification, and collateral requirements, to gauge your likelihood of approval and ensure a smooth funding process.

By carefully weighing these considerations and exploring all available financing avenues, you can make informed decisions that optimize your fix-and-flip project's financial structure and set the stage for its success.

Contractors and Tradespeople

After your investment in the property, you are going to want a reliable crew to take on the renovations. Contractors, plumbers, electricians, architects, and other professionals are important to ensure a smooth and successful fix and flip. Ideally you want to hire people who can take on the challenges of a fix and flip project. If possible, you should ask for examples of their past work, and if you are still struggling to find reliable contractors, consider taking references from friends & family.

Knowledge of Regulations and Permits

When starting your first fix and flip, it is vital to know all of the local building codes and regulations to keep yourself out of any trouble. Make sure to see if any permits are needed for your fix and flip before any work gets done. Research the local zoning laws, permit applications, inspection processes, and compliance standards in your area.

Overall, it is extremely important to be prepared before your first fix and flip. Being thorough is good, and will help ensure that your return on investment is maximized. Don’t just jump in without taking the necessary steps to avoid risks. By equipping yourself with the right tools, resources, and knowledge before embarking on your first fix-and-flip venture, you will set yourself up for success. With a strategic approach, you are guaranteed to unlock the full potential of your fix and flip investment.

RCN Capital

The easiest way to save on your next investment is to obtain financing from a real estate lender that can get you the best leverages and rates. RCN Capital lends to real estate professionals, commercial contractors, developers & small business owners across the nation. We provide short-term fix & flip financing, long-term rental financing, and new construction financing for real estate investors. If you are looking to finance a home flip, RCN Capital has competitive loan options available.