Buying rather than investing? Watch this first — it's Jon's zero-down program, explained by the mortgage side. Investors, keep reading.
An investor gets quoted 9.5% and takes the deal. What they didn't price was the three points charged up front, the six-month term, and the balloon at the end of it. The loan that looked cheaper wasn't — and they found out in month five.
That's the most common way a private money deal goes wrong, and it isn't the only one. I'm Jon Bowler, a certified private money broker. I watch these deals from the inside, so I wrote down the five that cost investors the most money — what each one looks like before it bites, and the question that catches it.
Comparing the rate instead of the total cost · an exit that was never real · a rehab budget that assumes nothing goes wrong · calling a lender after the deal is already under contract · going quiet when the timeline slips
Plus the step-by-step of how a private money deal actually runs, start to close.
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No cost, and nothing here is a pitch for a loan — I haven't seen your deal.
That's the program in the video up top. A lot of people can afford the monthly payment on a house — it's the down payment keeping them on the sidelines. Jon is a REACH field representative for a program that builds energy-efficient solar into the purchase and turns the savings into down payment and closing cost help, aiming at a lower combined monthly bill: mortgage and utilities together.
Jon Bowler — Certified Private Money Broker, Sacramento
surefootedcapital.com · jon@surefootedcapital.com
Informational only — not financial advice and not an offer to lend.
