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Fix & Flips vs New Development: What Actually Makes More Money? If you’ve spent time on real estate social media lately, you’ve probably heard it: “Fix and flips are dead. New development is where the real money is.” I’ve had that exact conversation with multiple investors here in Arizona. Many are looking at ground-up builds because they assume it is automatically more profitable than flipping. From my perspective as a lender funding both strategies and watching outcomes pla

Who We’re Built For (and Who We’re Not) 42 Solutions is not designed to be the lender for every deal. That is intentional. We are built for operators who value clarity, execution, and long-term relationships over chasing the cheapest capital in the market. We’re a Strong Fit For Arizona-based fix-and-flip and ground-up development projects Borrowers who prioritize certainty and execution over headline rates Operators who want a direct relationship with a local private lender

One of the most important parts of our underwriting is leverage, specifically loan-to-ARV. In 2025, our average LTARV across all loans funded was under 75 percent. That is intentional. Leverage should protect a deal, not stretch it. When leverage is structured responsibly, it gives borrowers more flexibility, more options, and more control throughout the life of a project. Why Lower Leverage Works in Your Favor Lower leverage helps borrowers: Refinance more easily into perman

What Gets a Fast Yes (and What Slows Things Down) At 42 Solutions, speed is intentional. Deals move quickly when the fundamentals are clear from the start. Here is what typically leads to a fast yes on our end. What Helps a Deal Move Quickly A realistic purchase price supported by recent sold comps A clear, well-thought-out scope of work An ARV that makes sense based on current market conditions, not best-case assumptions Borrowers with a proven track record or strong operati

Hey Everyone! Why Strong Deals Still Fall Apart Great deals do not fail because the numbers are wrong. They fail when execution breaks down. In today’s market, speed, clarity, and follow-through matter more than ever. A deal can look perfect on paper and still fall apart if the operator or capital partner cannot move decisively. In a recent conversation with Arizona entrepreneur Cody Barton, we unpacked why execution, systems, and decision-making separate professionals from p