5 Questions You Should Ask Your Lender

5 Questions You Should Ask Your Lender

Most investors know to ask about interest rates and points. But the truth is, the success of your project often depends on much more than the cost of capital. Ryan walks through the five key questions every investor should ask a lender before closing, including how extensions work, how rehab draws are funded, how quickly a lender can close, what their lending criteria are, and who you'll actually be working with after the loan funds. He also shares a bonus question that can reveal a lot about how a lending company operates and who really controls the capital behind your deal. Whether you're doing your first flip or your fiftieth, understanding how your lender works can help you avoid costly surprises and build stronger long-term partnerships. ## CHAPTERS 00:51 Warm up: What are your terms? 01:57 Question 1: What is your extension process? 03:55 Question 2: What is your draw process? 05:42 Question 3: How fast can you close? 08:27 Question 4: Am I a good fit for your criteria? 11:40 Question 5: Who is my POC after closing? 14:30 BONUS QUESTION RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: ryan@fixedlending.com CALL or TEXT: 469-587-8093 JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: joel@fixedlending.com CALL or TEXT: 918-880-2937 KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

She Analyzed 80 Deals to Get That First Deal with Sylvia Ramirez

In this episode, Joel sits down with first-time investor Sylvia Ramirez to talk about what it actually takes to go from thinking about real estate investing… to doing your first deal. Coming from a finance background in the hospitality industry, Sylvia shares how she decided to diversify into real estate, analyzed dozens of opportunities, built her network, and ultimately pulled the trigger on her first flip in Texas. They discuss overcoming fear, avoiding analysis paralysis, negotiating with wholesalers, building the right team, and why taking action is often the hardest part of getting started. If you've been thinking about investing in real estate but haven't made your first move yet, this episode is full of practical lessons and encouragement from someone who's living it right now. 📖 CHAPTERS 03:21 Diving into Sylvia's First Deal 05:41 Overcoming Fear and Taking the Leap 08:21 Navigating the Rehab Process 10:42 The Importance of Trust in Contractors 13:21 Encouraging Female Investors 15:47 Unique Perspectives in Real Estate 18:03 Rapid Fire Questions and Closing Thoughts FOOD RECS 🍽 Cuquitas - https://cuquitasrestaurants.com/ CONNECT WITH SYLVIA! Email: 3ptexas@gmail.com RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: ryan@fixedlending.com CALL or TEXT: 469-587-8093 JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: joel@fixedlending.com CALL or TEXT: 918-880-2937 KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

Three Things We Should Learn from the Spirit Airlines News

Ryan reflects on the recent unfortunate events that happened to Spirit Airlines and unpacks the business lessons real estate investors and entrepreneurs can learn from it. From knowing your identity and core values to avoiding the trap of always choosing the cheapest option, this episode dives into what it really takes to build a sustainable business that can survive both good markets and bad ones. Ryan also ties these lessons directly back to real estate investing — discussing contractor quality, pricing strategy, protecting margins, and why long-term success comes from building systems that can survive changing market conditions. If you're an investor, entrepreneur, or business owner trying to navigate today's market, this episode is packed with perspective and practical wisdom. CHAPTERS 00:00 Spirit airlines news: what does it mean for us? 02:17 Know your Identity 04:47 The cheapest option is not always the best 08:53 Always have a plan The HMB Episode: https://www.youtube.com/watch?v=rZGK4Ipv-So RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: ryan@fixedlending.com CALL or TEXT: 469-587-8093 JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: joel@fixedlending.com CALL or TEXT: 918-880-2937 KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

You Don't Learn Real Estate in a Classroom with Jamal Mayfield

Ryan sits down with Dallas-based investor Jamal Mayfield to talk about what it really looks like to get started in real estate investing — without waiting until everything feels perfect. Jamal shares how he transitioned from corporate recruiting into full-time real estate after his very first flip, the lessons learned from dealing with bad contractors and rehab mistakes, and why taking action taught him more than any course ever could. They also dive into what Jamal looks for in deals today, how he protects his downside, and the systems he's built to complete rehabs quickly without sacrificing quality. If you're trying to break into real estate or improve your flipping process, this episode is packed with practical insight and real-world experience. 📖CHAPTERS 00:00 Introduction to Real Estate Investing 02:32 Jamal's Journey into Real Estate 05:11 Lessons from the First Flip 07:55 Evaluating Deals and Buy Box 10:39 Navigating Investor-Lender Relationships 13:09 Efficiency in Rehab Projects 17:23 Rapid Fire Questions and Personal Insights FOOD RECS 🍽 Fujiya at Red Oak - https://www.fujiyaredoak.com/ CONNECT WITH JAMAL! IG: https://www.instagram.com/_capnestllc/ Email: capnestinvest@gmail.com RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: ryan@fixedlending.com CALL or TEXT: 469-587-8093 JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: joel@fixedlending.com CALL or TEXT: 918-880-2937 KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/

Avoid These 10 ARV Mistakes!

In this solo episode, Ryan breaks down one of the most important skills in real estate investing: accurately analyzing your ARV. After seeing multiple deals recently with unrealistic comps and inflated valuations, Ryan walks through the 10 biggest mistakes investors make when comping properties — and how those mistakes can quietly destroy your margins before the project even begins. From cherry-picking comps to crossing neighborhood boundaries, using outdated sales, and falling too emotionally attached to a deal, this episode is packed with practical advice that can help investors avoid expensive mistakes. Whether you're a wholesaler, flipper, BRRRR investor, or just getting started, understanding your ARV correctly can make the difference between a profitable deal and a painful one. CHAPTERS 02:15 Mistake #1: Using Active or Pending Listings as a Comp 03:11 Mistake #2: Cherry-picking Comps 03:50 Mistake #3: Not Paying Attention to Price per Square Foot 05:00 Mistake #4: Crossing Major Boundary Lines 06:02 Mistake #5: Not Using Solid Comps for Rehab Quality 07:01 Mistake #6: Using Comps That Are Too Old 08:47 Mistake #7: Using Comps That Aren't Comps 10:47 Mistake #8: Overrelying on Appraisal 12:35 Mistake #9: Taking The Wholesaler's ARV 14:07 Mistake #10: Falling In Love with The Deal TOO MUCH RYAN: FB: https://www.facebook.com/ryankadlec.tx/ IG: https://www.instagram.com/ryan.kadlec86/ LinkedIn: https://www.linkedin.com/in/ryan-kadlec-485911b9 Email: ryan@fixedlending.com CALL or TEXT: 469-587-8093 JOEL: FB: https://www.facebook.com/joel.kadlec.2025 IG: https://www.instagram.com/kadlec.joel/ TikTok: https://www.tiktok.com/@joelkadlec Email: joel@fixedlending.com CALL or TEXT: 918-880-2937 KNOW SOMEONE? GET THAT EXTRA $1K! https://fixedlending.com/rhino-1k/ MORE ABOUT THE RHINO GUARANTEES: https://fixedlending.com/ LET'S GET YOU FUNDED! https://www.fixedlending.com/apply/ JOIN THE FFR EXCLUSIVE CLUB! https://www.facebook.com/groups/fundfliprepeat LEARN MORE FROM OUR WEBSITE: https://fixedlending.com/educational-resources/