For active fix-and-flip investors, the path from a few deals a year to eight or ten is rarely blocked by a shortage of good opportunities. According to Adam Eldibany, founder of homebldr, the real constraint is cash on hand. “The number one constraint is definitely cash on hand,” Eldibany said. “If an investor doesn’t have cash, they can’t do more deals, period.” Even when a lender finances all purchase and rehab costs, investors still need cash for reserves, closing costs, and monthly payments. Without that liquidity, growth stalls.
Eldibany has observed a recurring pattern among growing investors. After selling or refinancing a few properties, they find themselves with a pile of cash and begin taking on multiple projects at once. Eventually, they hit a wall because the remaining cash is often earmarked for monthly loan payments rather than new acquisitions. From there, the outcome hinges on execution. If all projects perform as expected, liquidity is regained and scaling continues. But if a project runs over budget, gets delayed, or sells for less than projected, the slowdown can compound and stall the business entirely.
Without a better financing structure, Eldibany says most investors reach for one of two levers: more leverage or outside partners. As investors build a track record, they often qualify for larger loan amounts, a business line of credit, or a secondary financing partner. Others bring in liquidity partners to fund deals directly. Both options come with costs. More debt means higher financing costs, while bringing in a partner usually means giving up a share of profit and some control. “The best way investors can preserve cash is just identifying financing options with better terms, meaning lower rates and lower fees,” Eldibany said.
This is the gap homebldr’s financing subscription was built to close. Instead of paying origination fees in cash at every closing, investors pay a single subscription fee upfront—one that can be covered with a credit card, another line of debt, or even a buy now, pay later product. From there, they can close deals for the length of the subscription without paying additional origination fees. “Because they aren’t paying origination at closing, they have more cash in their pocket, which can be put towards their next deal,” Eldibany said. He is careful not to promise a fixed multiplier on how much faster an investor can scale, but he points to compounding as the real driver. Saving a modest amount on one deal does not move the needle much, but doing it on every deal for a year does.
“Preserving liquidity compounds over time,” Eldibany said, “and allows investors to maintain as much momentum as possible.” For investors trying to move from a side hustle pace to full-time deal volume, that compounding effect—more than the terms on any single deal—tends to be what separates those who scale from those who stall. More detail on how the subscription model works, including loan volume tiers and payment options, is available on homebldr’s financing subscription page.
