Most investors are fighting for scraps in crowded flips. We took a different path. Ryan, Chase, and new guest Justin Hilz breaks down his 0% seller-finance win in Annapolis: how he framed the seller’s tax problem, structured principal-only payments, and added a balloon for exit flexibility without taking a 7% mortgage on the chin.

From there, we zoom out to the market. Sub-$300k homes still fly, but move-up buyers are locked by 3% mortgages and bracing for payment shock. Looking for leverage without speculation? We also get tactical about financing new builds without bleeding interest—use creative lot terms, pay permits out of pocket, wait to trigger hard money until foundation, and only pay interest on draws. 

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