AGS Lending Partners

🚨 A repeat client was told they needed to bring over $10,000 to closing for a rate-and-term refinance.

After reviewing the file, we took a different approach.

The result?

💰 Cash to Close Reduced from $10,000+ to $1,713.76

That's over $8,000 back in our client's pocket.

Not all loan structures are created equal.

📞 800-520-1931

Everyone tells me they want 100% financing. So I give it to them. Then reality hits.

100% means I cover your purchase and rehab. That's it. You're still writing checks for 3.5 points origination, $2,500 processing, prepaid interest, and closing costs. That's typically 8-12k out of pocket before you even swing a hammer.

People hear 100% and think zero skin in the game. That's not how this works. You need reserves too — 25% of your rehab budget sitting in the bank. I need to know you won't bail when costs run over.

The math works because the deal is solid. Not because you're getting free money.

If true 100% scares you off, I have other options. 90% LTC programs where you bring 10% down plus fees. 95% programs. But let's be honest about what the number actually means.

DM me your next deal. We'll talk real numbers. 📲

Tim Haywood | AGS Lending Partners

You found the perfect rental property, but your cash is tied up elsewhere. Sound familiar?

Last month we worked with an investor who needed to preserve capital. She had strong numbers, solid fundamentals, and clear vision. She closed in 8 days.

That's what we look for—preparation and conviction. Now she's holding it as a rental with positive cash flow.

Got a deal like that? DM me the details. 💪

📸 From the AGS Lending Partners funded portfolio. Property pictured may differ from the deal described.



Tim Haywood | AGS Lending Partners

Most investors think they need perfect credit to get funded. That's costing them deals.

I've closed 100+ transactions. Credit scores matter way less than you think. Here's what actually matters: the deal itself and your exit strategy.

With Asset-Based Fix & Flip lending, I don't even pull credit. No appraisal either. You're approved on the property fundamentals — 90% LTC capped at 75% ARV. That means if the numbers work, you work. A 580 credit score doesn't kill your deal anymore. A weak exit strategy does.

I've turned down borrowers with 750+ credit scores because their rehab was unrealistic. And I've funded contractors with bruised credit because their comps were solid and their contractor was vetted.

The real gatekeepers are math and ex*****on. Not your credit report.

Plus no rehab draw fees. That saves you thousands in carrying costs while you're working. Close in 7 days. Move capital fast. Rinse and repeat.

Stop letting credit score anxiety sit on deals. The deal quality is your credit score now.

Share this with an investor who needs to hear it.

Tim Haywood | AGS Lending Partners

Most investors disqualify themselves before they even start.

Perfect credit and 25% down? That's old thinking. Winners move fast with solid exit strategies, not perfect balance sheets.

What changes the game: Asset-Based Fix & Flip programs at 90% LTC with no credit check. DSCR rental loans focused on property cash flow, not your W2s.

Your exit strategy matters more than your credit score. Your property's performance matters more than your job title.

Stop holding yourself back. Get pre-qualified with a lender who thinks like an investor. DM me your next deal. 💪

Tim Haywood | AGS Lending Partners

Most investors mix up LTV and ARV, and it costs them deals.

LTV = what % of current value we'll lend
ARV = what it's worth after repairs

The trap? Asking for too much LTV when your ARV numbers don't stack. You end underwater before day one.

Our Asset-Based program caps loans at 75% ARV and closes fast. What's your typical ARV spread? 💼

Tim Haywood | AGS Lending Partners

You found the deal. 90 day rehab. Clean bones. But your cash is tied up elsewhere and your bank said no.

Here's what happened: An investor brought me a fix and flip opportunity. Purchase price 210k. Rehab budget 95k. He had 40k down but needed 305k to close in 9 days. Traditional lenders wanted 30+ days and full appraisals. He was losing the deal.

I provided bridge financing at 90% LTC. Closed in 9 days. He kept control and his cash for other opportunities. Four months later, the property sold at strong returns. He netted 65k profit.

That's the difference between a funded deal and a lost deal. I close fast because I know real estate. I need a solid property, a solid plan, and an investor ready to execute.

If you're sitting on a deal like that right now, DM me. 🚀

📸 From the AGS Lending Partners funded portfolio. Property pictured may differ from the deal described.



Tim Haywood | AGS Lending Partners

You're sitting on a property that needs 40k in repairs. Do you pull from your personal savings, tap a HELOC, or get a lender to fund the whole thing and keep your cash dry?

I see investors split on this all the time. Some say never touch your reserves. Others say move fast and use your own money to avoid lender fees.

What's your move? And more importantly — why that approach? 🎯

Tim Haywood | AGS Lending Partners

I turned down a six-figure job offer to go full time with AGS Lending Partners.

People thought I was crazy. But I was already seeing the problem—investors closing deals in 9 days instead of 60. Real capital partners, not traditional lenders stringing them along.

I built AGS Lending Partners because smart investors were getting held hostage by outdated lending. Deals dying on low appraisals. Closings slipping on pointless verification. So I created the partner I needed: asset-based decisions, closings in days, nationwide reach.

That life where you control your time and deals? It's the natural outcome of removing friction.

What lending problem has cost you a deal?

Tim Haywood | AGS Lending Partners

Property 15k under comps. Seller needed 10 days. Cash buyer fell through.

My investor faced this last month. Single family, solid bones, 40k in updates needed. Purchase price 185k, post-rehab value 245k. Traditional lender wanted 30 days—he'd lose it.

We funded at 90% LTC, no appraisal. Closed in 9 days. Flipped for 48k profit.

What worked: Real after-repair value (three realtor confirmations). Contractor locked in with proven history. Solid documentation.

That's the deal I fund every day. Real property, real numbers, real urgency.

Timeline crunch? Lender moving too slow? You know what to do.

📸 From the AGS Lending Partners funded portfolio. Property pictured may differ from the deal described.



Tim Haywood | AGS Lending Partners