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Full Episode Transcript
In this episode of The Deal Vault, Greg, Nate, and Sarah tackle a question that trips up a lot of new investors: when should you actually start talking to a lender? Nate breaks down why approaching financing too late in the process, after you’ve already found a property and think you’re ready to make an offer, is one of the most common and costly mistakes he sees, since it often means learning a critical detail about your financing too late to act on it.
The conversation covers the real order of operations for a deal: starting the financing conversation early, even when you’re just casually looking, so a lender can help you understand what your budget can actually support. Nate uses concrete examples, including a Baltimore appraisal issue that quietly increased down payment requirements across an entire market, to show how a trusted lending partner catches problems you’d never see coming on your own. They also dig into a subtler trust issue: why some investors hide how much liquidity they actually have, and why that hesitation usually works against them rather than protecting them.
Who This Episode Is For:
• New investors unsure of when it’s appropriate to reach out to a lender
• Investors who have been surprised by a financing detail after already making an offer
• Anyone hesitant to share their real liquidity numbers with a lender
• Investors expanding into a new market who want to understand local lending risks
• Borrowers who want a smoother, more collaborative relationship with their financing partner
