The HMB Real Estate Investing Blog

Can You Flip Houses With Bad Credit? This is What Hard Money Lenders Actually Care About

Jason Balin2026-01-05T17:08:31+00:00Education|

https://www.youtube.com/watch?v=RCuDjBLCYX0 You found the deal. The numbers work. But your credit score sits somewhere in the 600s and you have never closed a flip before. The bank will not touch this loan. And ...

First Time Fix and Flip Checklist: Montgomery County Maryland

Jason Balin2025-12-23T18:38:17+00:00Education|

https://youtu.be/X2dNkXHtVHM?si=KiTzesgyKIFbUBza You found a property in Silver Spring that looks promising. The numbers seem to work. But a nagging question keeps you up at night: what are you missing? That fear of the unknown ...

BRRRR Strategy Financing in Northern Virginia Markets

Chris Haddon2025-12-11T17:27:58+00:00Education|

How to Finance BRRRR Deals in Northern Virginia's Premium Real Estate Markets I've watched countless investors try to crack the Northern Virginia BRRRR code only to discover their financing strategy couldn't handle the market's premium ...

After Repair Value Mistakes That Kill Deals in Baltimore

Jason Balin2025-12-11T17:28:27+00:00Education|

https://www.youtube.com/watch?v=x7UH5aoIQiE The Baltimore ARV Trap: Why Your Valuation Numbers Are Killing Your Fix-and-Flip Deals Your After-Repair Value calculation is probably wrong. I can say this with confidence after funding over 4,000 real estate deals ...

DSCR Loans in Maryland: Using Rental Income to Qualify (Not Your W-2)

Jason Balin2025-12-11T17:28:48+00:00Education|

https://www.youtube.com/watch?v=9-A0TRV3woo If your considering using your rental income to qualify for a DSCR loan in Maryland, you are in the right place. I've watched thosands Maryland real estate investors struggle with the same ...

Hard Money Loan Approval Process: 4 Reasons Lenders Say No (And How to Turn It Into a Yes)

Chris Haddon2025-12-11T17:29:56+00:00Education|

Why Hard Money Lenders Reject Loans (And Your Path to Approval) After funding over 4,000 loans, I can tell you the difference between getting funded and getting rejected comes down to understanding what's happening on ...

Fix and Flip Draw Schedule: How Renovation Funds Actually Get Released

Jason Balin2025-12-11T17:31:12+00:00Education|

https://www.youtube.com/watch?v=t16SuWGARjk The Truth About Fix and Flip Draw Schedules After lending on over 4,000 private loans, most with renovation draw schedules I understand the importance of fully explaining the renovation draw reimbursement process. The ...

Exit Strategies in Commercial Hard Money: Refinance, Sell, or Hold?

Chris Haddon2025-12-11T17:33:39+00:00Education|

Investors who succeed with commercial hard money loans ALWAYS have their exit mapped out before they sign. The ones who don't? They end up bleeding cash on 12-15% interest rates while scrambling for solutions. Here's ...

How Fast Can You Close on a Hard Money Loan in Maryland?

Jason Balin2025-09-23T14:29:41+00:00Education|

https://www.youtube.com/watch?v=gScx_yz4ZYE The Real Timeline for Closing Hard Money Loans in Maryland I've funded over 4,000 deals since 2007. And every week, I get the same question from investors: "How fast can you REALLY ...

Maryland Hard Money Loan Requirements: What Investors Should Know

Chris Haddon2025-09-26T15:45:58+00:00Education|

You're standing in front of a distressed Baltimore row home. The seller needs to close in 10 days. Traditional banks would laugh at that timeline. But I've funded deals like this in 48 hours. The ...