David R. Bizousky

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David R. Bizousky Slate Financial - Mortgages. Licensed in all 50 states. Purchase, refinance, FHA / VA / Jumbo, construction, fix-and-flip, hard money. Fast closings.

Apply at slatefinancial.io

Things my bank actually said when I applied for a fix-and-flip loan:"We need your last 3 years of tax returns. And 2 mor...
10/17/2026

Things my bank actually said when I applied for a fix-and-flip loan:

"We need your last 3 years of tax returns. And 2 more. And one more for good measure."

"This property has deferred maintenance. We cannot fund properties with deferred maintenance." (That is the point. That IS the flip.)

"Your LLC is only 14 months old. We require 2 years of LLC operating history."

"You said this is an investment property. Our investment property division is in a different building. And they are on vacation."

"We do not fund fix-and-flips. Have you tried a renovation mortgage? It is essentially the same thing but takes 4 months."

I ended up at Slate Financial. The deal got funded. The bank is still requesting documents.

Real estate investors: if the bank has been running you in circles, there is a faster path.
Apply at slatefinancial.io/apply -- funding subject to lender approval, results not typical.

Apply in 2 minutes: https://www.slatefinancial.io/c/d6bd4c1f-5426-45fa-9c78-83376d4827c5?p=facebook&to=https%3A%2F%2Fwww.slatefinancial.io%2Fapply%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3Domni

Most spec builders close twice -- once for construction, once for the permanent loan. That means two appraisals, two set...
10/16/2026

Most spec builders close twice -- once for construction, once for the permanent loan. That means two appraisals, two sets of closing costs, and a second underwrite right when you need to be selling. Construction-to-perm loans solve all of that in one shot. See how at slatefinancial.io/apply

Apply in 2 minutes: https://www.slatefinancial.io/c/2e063c60-0962-45e1-9da3-a998bfbb2425?p=facebook&to=https%3A%2F%2Fwww.slatefinancial.io%2Fapply%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3Domni

Bank said no? There is still more than one option on the table. MCA funds in 48 hours. Term loans cost less when you can...
10/16/2026

Bank said no? There is still more than one option on the table. MCA funds in 48 hours. Term loans cost less when you can qualify. The right answer depends on your bank statements, not your credit score alone. Get a real look at your options: slatefinancial.io/apply Funding subject to lender approval.

Apply in 2 minutes: https://www.slatefinancial.io/c/5a7bee4f-1cde-43e7-9e01-cace254d1e9a?p=facebook&to=https%3A%2F%2Fwww.slatefinancial.io%2Fapply%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3Domni

Things your bank says when you ask for a ground-up construction loan:- "We need 2 years of construction company tax retu...
10/15/2026

Things your bank says when you ask for a ground-up construction loan:

- "We need 2 years of construction company tax returns."
- "The lot needs to already be paid off."
- "We don't do spec builds."
- "You'll need 30% down minimum."
- "Appraisal on a home that doesn't exist yet will take 8 weeks."
- "Have you considered not building?"

Meanwhile spec builders in FL, TX, GA, and SC are closing ground-up construction loans WITHOUT a single bank conversation.

Draw schedule funding. No W2 required. Spec builds welcome.

If your bank has said any of the above, we should talk.

See if your project qualifies: slatefinancial.io/apply

Funding subject to lender approval. Results not typical.

Apply in 2 minutes: https://www.slatefinancial.io/c/0659a44a-1df6-4f8a-af03-bd7dac10b5d4?p=facebook&to=https%3A%2F%2Fwww.slatefinancial.io%2Fapply%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3Domni

Address

8 Gillon Street
Charleston, SC
29401

Telephone

+18432908928

Website

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