For fix-and-flip investors aiming to grow from a few deals a year to eight or more, the biggest obstacle is rarely 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 sufficient liquidity, growth stalls.
Eldibany has observed a recurring pattern among growing investors. After selling or refinancing a few properties, they accumulate a pile of cash and begin taking on multiple projects simultaneously. Eventually, they hit a wall because the remaining cash is often reserved for monthly loan payments rather than new acquisitions. The outcome then hinges on execution: if every active project performs as expected, the investor regains liquidity and continues scaling. But if a project runs over budget, faces delays, or sells for less than projected, the slowdown can compound and halt the business entirely.
Without a better financing structure, most investors reach for one of 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 a secondary financing partner. 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 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 aims to close. 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 even 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 said.
He avoids promising a fixed multiplier on how much faster an investor can scale, but he emphasizes compounding as the real driver. Saving a modest amount on one deal may not move the needle, but doing it on every deal for a year can significantly boost liquidity. “Preserving liquidity compounds over time,” Eldibany said, “and allows investors to maintain as much momentum as possible.” For investors transitioning from a side hustle to full-time deal volume, this compounding effect—more than the terms of any single deal—often 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.
