For fix-and-flip investors aiming to scale from a handful of deals a year to eight or more, the biggest obstacle isn't finding profitable projects—it's preserving cash. According to Adam Eldibany, founder of homebldr, a technology-driven real estate investment financing platform, many investors stall not from lack of deals but from running out of cash. "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 lenders finance all purchase and rehab costs, investors still need cash for reserves, closing costs, and monthly payments. This cash cycle often trips up growing investors. Eldibany notes a typical pattern: after selling or refinancing a few properties, investors accumulate cash and start taking on multiple projects simultaneously. They eventually hit a wall because their remaining cash is earmarked for monthly loan payments rather than new acquisitions. The outcome then depends on execution. If all projects perform as expected, the investor regains liquidity and continues scaling. But if a project overruns budget, is delayed, or sells for less than projected, the slowdown can compound and stall the business entirely.
Without a better financing structure, investors often turn to two levers: more leverage or outside partners. As they build a track record, they may qualify for larger loans, a business line of credit, or secondary financing. Others bring in liquidity partners to fund deals directly. Both options carry costs: more debt means higher financing costs, and bringing in a partner usually means sharing profit and 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 where homebldr's financing subscription model comes in. Instead of paying origination fees in cash at every closing, investors pay a single subscription fee upfront, which can be covered with a credit card, another line of debt, or a buy now, pay later product. For the duration of the subscription, they can close deals 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 explained.
Eldibany is careful not to promise a fixed multiplier on scaling speed, but he emphasizes compounding as the real driver. Saving a modest amount on one deal doesn't move the needle much, but doing it on every deal for a year does. "Preserving liquidity compounds over time," he said, "and allows investors to maintain as much momentum as possible." For investors transitioning from a side hustle to full-time volume, this compounding effect—more than the terms on any single deal—tends to separate those who scale from those who stall.
homebldr, based in Austin, Texas, operates on a broker model with a network of more than 80 capital partners, helping active investors finance fix and flips, new construction, and long-term rentals. More details on the subscription model, including loan volume tiers and payment options, are available on homebldr’s financing subscription page.
