0-Flip Book a funding call
For people who want to flip houses but "can't afford" to

Flip your first house with $0 of your own money.

The entry fee was never a pile of savings. It's a 680 credit score and the right sequence. We secure you up to $150,000 at 0% interest in 30 to 90 days, then walk it into your first flip with you. Down payment, reno and all.

No hard credit check Know your exact number in one call Your info is never shared
Every flip is the same four moves The catch: each step needs cash upfront
1 · Buy under value
Cheap
A house that needs work sells for less than a fixed one
2 · Force the value up
Fixed
You renovate. Now it appraises like the good houses on the block
3 · Refinance or sell
Cashed
Pull your capital back out tax-free, or take the profit
4 · Keep the spread
Yours
The gap between what went in and what it's worth is your money

That part you already understood. The only thing standing between you and step one is the cash each step needs, and that cash does not have to be yours.

The part nobody explains

You don't have a money problem. You have an information problem.

You were told the entry fee for real estate is years of saving: $50,000 sitting in a bank account before anyone takes you seriously. So you've been saving. Slowly. While houses that cash-flow keep selling to people who know something you don't.

Here's the something: banks hand properly-structured businesses up to $150,000 at 0% interest for 12 to 18 months. That's the exact capital a hard money lender rents to flippers at 12% plus points. Most people never learn it exists, apply in the wrong order, and walk away with a $5,000 limit and a dinged credit score for trying.

That's the whole offer. We secure that 0% capital in the right sequence and deploy it into your first flip with you. It covers the three things that actually stop beginners:

The down payment
Covered at 0%, so none of your own cash is on the table at closing.
The renovation
The work that forces the value up, funded rather than fronted out of pocket.
The reserves
The cushion lenders and contractors want to see before they say yes.

The refinance pays the funding back. You keep the house, the cash flow, and the spread, having spent zero of your own money to get in.

Underwrite your first flip in 20 seconds

Four inputs, no email gate, no hard pull. If the deal works, the call turns your estimate into an exact number and a sequence. If it doesn't work, we'll tell you that too.

Your credit score, honestly
640–679
680–719
720+
Purchase price
$40K$90,000$250K
Renovation budget
$5K$20,000$80K
Expected sale price (ARV)
$60K$170,000$400K
Your flip, underwritten Deal works
$0
Your own cash needed at closing
$43,000
Funded at 0% instead
$53,400
Est. flip profit after ~8% selling costs
−$6,450
Hard money cost you skip (12% + 3 pts)
✓ Inside your estimated range. A 680–719 profile typically sequences $50K–$100K in 0% limits. This deal needs less.

Illustrative estimate, not an offer of credit or a profit guarantee. Down payment modeled at 20% + $5K reserves on the cards; asset-based lending carries the balance and the reno draw. Exact limits and structure come from your audit.

Confirm my real number on a call

Built from 250+ funded profiles and the founder's own 80+ doors. Your numbers will vary. That's what the call is for.

80+ doors
Held by our founder
250+ funded
Investors funded on this stack
30–90 days
From call to capital

What hard money is really costing you

Every new flipper "knows" two ways in: save for years, or rent a stranger's cash at double-digit interest. There's a third door.

The old way

Costs you
  • 10–13% + ptsDown payment and gap money rented from hard money lenders
  • ~$12,000/yrInterest on $80,000 borrowed. Straight out of your flip profit
  • Their clockLender deadlines decide your timeline and your exit price
  • One & doneEvery new deal means re-qualifying and re-paying points

The 0-Flip stack

Stays with you
  • 0% APRThe same capital on sequenced business cards, free for 12 to 18 months
  • $0 interestInside the window. Every dollar a lender would take stays in your deal
  • Your clockYou set the reno pace and the exit
  • ReloadsPay it down, limits grow, run the next deal bigger

Funded to flipped in six moves

Approvals come from optimization, timing and sequencing. Not guesswork.

1

The funding audit

All four bureaus and your entity scanned. Every rejection trigger surfaced before a single application goes out.

2

The optimization

LLC and personal profile rebuilt with the data points each bank wants. The $5K-vs-$50K limit gap is paperwork, not income.

3

The sequencing

Every bank pulls a different bureau. Our banking relationships put your file in front of decision-makers, in the right order.

4

The liquidation

Approved limits become deployable cash at low single-digit cost, ready for closing day.

5

The deployment

0% cash covers down payment and reserves. Asset-based lending carries the rest plus the reno. We keep you off the $25K septic landmines.

6

The exit & reload

Sell, or DSCR-refinance and clear the cards inside the window. Keep the tax-free difference. Run it again.

Who's behind this

She declined med school to flip houses

Makayla Flood got into medical school and said no thanks. Built a seven-figure Amazon business instead. Bought her first house in cash, then learned the game that made cash optional.

Today: 80+ doors, Section 8 rentals where the government wires the rent, and a flip pipeline funded on the exact stack you just underwrote your own deal with. Most funding gurus have never closed on a house.

80+
Doors held
7-fig
Amazon exit
0%
Cost of capital

Commonly asked questions

680+ is the green zone, 720+ gets the best limits. Between 640 and 680, the audit shows you exactly what to fix and how long it takes.

It's an honest estimate built from 250+ funded profiles, not an offer. Your exact number comes from the audit, which reads your real reports and entity setup. Soft pull only.

The call and audit are soft-pull only. When applications go out, sequencing exists precisely to protect your profile and make it stronger every round.

Liquidation. Approved limits become cash in your business account for low single-digit fees, and cash closes on houses. Compare that with 12% plus points and the math answers itself.

The deal model is built around the window from day one. Deal selection and the DSCR exit are part of the program, and the fallback gets planned before you ever swipe.

No. Funding comes first, then you shop with cash-buyer power in markets where beginner math still works.

It's structured so we win when your funding lands. Exact numbers get walked on the call once the audit shows your approval range.

Very. The system works because we only take people it works for. The call is us qualifying you, and you qualifying us.

Your deal math is done. Now get your real number.

One call. No hard pull. You leave with your exact approval range, your gaps and the sequence to your first funded flip.

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