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Beat Hard Money Fees: Fix & Flip Loans at 7.99%–8.99% Without Junk Points (Nationwide, Most States)

By October 1, 2025Real Estate Pros Show

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Show Summary

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Christina Elizondo, who specializes in helping businesses secure funding through unique loan solutions. Christina discusses the importance of fundability, effective communication, and the strategies she employs to assist investors in navigating the funding landscape. She emphasizes the significance of building relationships and community impact while outlining her goals for expanding her business and helping more clients achieve financial success.

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    Investor Fuel Show Transcript:

    Christina Elizondo (00:00)
    I also have a program called the credit. It’s a credit card program that I use that’s 0 % interest for 12 months.

    So now I can get you that credit card that you can use to go and fix that property. Use that credit card to fix it. You know, all the, all the things that need to be done in the, in the property and then pay it off in 30 days, 60 days. Once the house is done, you, you, you have to pay a principal payment. But once it’s done in the end of the 90 days, you pay the whole thing off and you’ve used everything with no interest.

    Michelle Kesil (02:00)
    Hey everybody, welcome to the Investor Fuel podcast. I’m your host, Michelle Kesil. Today I’m joined by someone I’m looking forward to chatting with, Christina Elizondo, who has been making serious moves in her company, helping businesses get fundable with loans. So excited to have you here today, Christina.

    Christina Elizondo (02:23)
    Thank you so much. Thank you so much for allowing me to be on the podcast. I’m looking forward to talking to you as well.

    Michelle Kesil (02:29)
    Awesome, yeah, I think our listeners are going to take something away from how you’re supporting businesses to get the funds that they need in a unique way. So let’s dive in. Just first off, for those that don’t know you and your world yet, can you give the short version of what your main focus is?

    Christina Elizondo (02:49)
    ⁓ Namaste, Business Funding. And what we’re doing is we’re helping bringing peace to business funding and allowing businesses to teaching businesses how to get fundable. And then once they get fundable, we show them how and where to utilize the money the best way for their business. In real estate, my goal is to help the smallest investor coming in that’s doing the brand newest fix and flipper.

    to the one in the middle to the one at the end. have a business solution for every single item that they’re using in the fix and flip world, rehab world.

    Michelle Kesil (03:22)
    Awesome.

    Can you expand a little bit more on what these solutions look like?

    Christina Elizondo (03:29)
    Yes, we have ⁓ fix and flip loans for the one for the brand newest investor. The brand newest investor may have to come in with a little bit more money, maybe 5 % more money as a down payment, but I can still get them that loan, is, know, and our rates are like anywhere from 7.99 to 8.99 % on that loan, which is very much cheaper than the ones that they’re getting out there from the hard money guys. And ⁓ so yeah, we can help them work with

    through that process, get them approved. Once they’re approved, it’s easy. They just keep using that same loan over and over again. Once they use it, pay it off. Then they come back and use that same loan to get the next property. So it’s a really, really good product that helps the fix and flippers. Once you’re approved, you’re approved and you can keep using that. And then we also show the investors, the people that they’re using.

    I also have a program called the credit. It’s a credit card program that I use that’s 0 % interest for 12 months.

    So now I can get you that credit card that you can use to go and fix that property. Use that credit card to fix it. You know, all the, all the things that need to be done in the, in the property and then pay it off in 30 days, 60 days. Once the house is done, you, you, you have to pay a principal payment. But once it’s done in the end of the 90 days, you pay the whole thing off and you’ve used everything with no interest.

    So that you’re just using your own money to, it’s a really, really one of the best programs that I have seen out there for fix and flips.

    Michelle Kesil (05:48)
    Yeah, sounds awesome. It’s okay, no worries.

    Christina Elizondo (05:49)
    Sorry about that. So

    that the fix and flip loans and the commercial loans, can do anywhere from commercial, you know, four to five residents. I can do 15 residents. I can do apartment complexes, anything commercial as well.

    Michelle Kesil (06:07)
    And what markets are you operating in? Are you operating nationally? Where are you able to support people?

    Christina Elizondo (06:12)
    Yes.

    I’m operating in all states with the exception of four, which is Alaska, North Dakota, South Dakota, and Hawaii. Those are the only four I can’t work in.

    Michelle Kesil (06:23)
    Awesome. So yeah, what have been like some of the keys to keeping your business running smoothly?

    Christina Elizondo (06:33)
    The most important thing is communication, communication between you and the investors, communication and then follow up. You know what mean? If you’re not following up with your clients, if you go to a networking event and you don’t call back those people that you got those cards from, what are you doing with the numbers, right? The other thing I tell businesses a lot too is just know your numbers. Know the numbers of the game. If you speak to 10 people out of those 10 people,

    Five of them may respond out of those five, you’re going to have three that will make an appointment and one appointment will stick. That’s just the numbers. Those numbers are very important for people to understand and knowing those, knowing that when you put that into perspective, how many people do need to talk to in order to close? Right? So that’s what I do that every day. I live by that principle every day, making sure I’m following up with the clients, making sure I’m doing my due diligence with the clients, new and old.

    and perspective ones.

    Michelle Kesil (07:33)
    Yeah, absolutely, that’s important. yeah, what are some of the ways that, because I know that when we talked before, you mentioned that your type of business is quite disruptive and it’s unique and new compared to what people are used to in this lone world. Can you share some of these differences between your business and others?

    Christina Elizondo (07:36)
    Yeah.

    Yes. So the main difference between me and a hard money lender is the way the best way I would describe it. So a hard money lender is going to charge you. I still require the down payment requirements, but the difference between me is I can take that first time buyer that’s a first time fix and flipper and still get their loan closed. Our rates are cheaper. there’s 7.99 to 8.99 is the highest I’ve given. So our rates are lower. I can get the

    Michelle Kesil (08:05)
    Mm-hmm.

    Christina Elizondo (08:26)
    first time buyer all the way to the other borrower done. And then also ⁓ we don’t charge the big huge fees that the investors, know, that those hard money guys charge. So they charge you the 20 % interest, plus they charge you the big fees. And we don’t charge those big fees. Fees are only, maximum points that we charge is five points. That’s max between me and the lender. So that’s huge for a lot of people, you cause the fees are a part of what takes away from the equity.

    from the borrower, right? From the one who’s trying to buy the property. If I have all those fees in there, then it’s taken away from the equity that you’re trying to use. So I show you how to best strategize using that equity that you’re getting in those properties and utilize it towards your best benefit. And keep the money in your pocket.

    Michelle Kesil (09:14)
    Can you share some examples of how you have supported investors? Because a lot of the listeners might be investors or those looking to start investing.

    Christina Elizondo (09:27)
    What we do when you come into non-mistake business funding is we make sure that your business is fundable because that’s the key aspect, right? A lot of people will come to me, I call it the 10 mistakes businesses make and I see it happen on all platforms of all business levels. It doesn’t matter what level you’re in in your business. I see those 10 mistakes happen nine times out of 10. There’s 10 of them wrong in their business that not correct, right?

    So I show you how to set up your business structure properly. And then once the business structure is set up properly

    and you can get funds as a business, then I show you where and how to get those funds. And that’s one of the key things that I’m doing as well as a business coach and as a business funder that I know not a lot of other businesses are doing. And the reason I know that is because people are coming to me and telling me I didn’t get approved. And I don’t know why. The bank’s not going to tell you why, but I know why.

    By looking at your file, they can tell you this is why, this is why, this is why. And several times it’s simple as their business address, simple as their business email. Do you have a business email? If you’re trying to get a loan and you don’t have a business email, you’re probably not going to get approved. It’s pretty simple. I’ve seen people get that a lot where they don’t, know, especially in the business world. I’m trying to get your business set up to be fundable. Period.

    And if your business is fundable, could be, it will be fundable as long as you continue doing the right things. And that’s my goal. Teaching every business how to be fundable entity that way you can get the funds you need when you need it and don’t have to be stuck in those, in those situations where a lot of companies come to me and they’re like, I need the money yesterday because this and this and this and this happened. Right? My goal is to try to avoid that from these companies that when they need that money, they already have.

    the credit card that they need and on back on standby so they can go get the supplies they need. And sometimes because businesses come to me when it’s too late and unfortunately I have to be the one to tell them that. But my goal is to not have that happen anymore with businesses. Have them come to me so I can help them get the situation with their money figured out in the beginning and we have a plan of what and how and when we’re going to use it. And that’s my goal with every business.

    Michelle Kesil (12:20)
    Amazing. That is, yeah, sounds like such a beneficial process that you’re walking people through.

    So when people get their business funded, like what does that do for them? What kind of changes does that offer them?

    Christina Elizondo (12:37)
    Tremendous changes so in the fixing flip world if I get if you come to me and I get you a credit card a 0 % interest credit card and that term loan I’m talking about that’s for the for to buy those properties now the business owner has the working capital and the credit cards and They have the term loan to be able to go and buy that product and also with realtors and investors always tell them Are you buying your house and your name? Are you buying your house in your business name?

    Are you buying your cars in your personal name? Are you buying them in your business name? Because if you put them in the business name and you’re using it all for the business, we can also get you loans for that equipment because a vehicle is considered equipment loan, right? So there’s several ways that I teach businesses how to utilize that money that they’re getting to benefit the business. Show you how to get the maximum tax returns, the tax benefits from your company. So.

    trying to help us scale out the best way they can and get the money with the money they get, use it the right way and making sure that you get it to where you need to be. What’s the end result with that money? What are you going to do with it? What’s the end result? you trying to make money or are trying to lose money? I want to help everybody make money and make the maximum amount they can get out of each property that they’re getting. And I have shown multiple companies how to do that. Multiple gentlemen have come to me that are working with me. And if

    Michelle Kesil (13:36)
    Yeah.

    Christina Elizondo (14:05)
    there’s something wrong with your credit, I don’t just leave you there and say, ⁓ your credit’s messed up, you can’t fix it. No, we help you. I have a company that works with you to fix the credit as well if you need to fix the credit. But we have so many different types of loan products that we can offer. True DSCR, you know, Fourplex, Threeplex, Duplex, all those all, we cover every genre of real estate that you can get. Therefore, there’s really not anything that we can’t get you approved for. It’s just a matter of

    your credit or your down payment. That’s really what’s going to make the difference of how high the loan to value will be based upon your credit and will depend upon that. But we’ve got some great programs that I’d love to go over and a more detailed ⁓ situation with each one of these people.

    Michelle Kesil (14:48)
    Yeah.

    Yeah.

    Is there a particular one that would serve the investor community that you can expand upon now?

    Christina Elizondo (15:45)
    ⁓ that particular loan, I’m talking about for the fix and flip loan, let’s just say you’ve got a person that has, that just has only done three houses. Okay. That to us is not to the bank. It’s not, it’s not a, they’ve been doing them forever. They know what they’re doing. Right. So just take that, that one with that one person that has three loans, all they’d have to do is send me a proof that where they got the properties at, you know, we have a form that they fill out. This is the property. This is what I made. This is what I did. Most investors.

    are doing that. They already have track of what they did and what they do. So you just take your form, it into my Excel spreadsheet and we send it to them. That way it helps us be able to get you the, so the person that’s called second tier, we have first tier, second tier, third tier. First tier is the first brand new one. Second tier is the third, is the one that’s got the three or four. That tier has a specific criteria that we follow it to the T. Give me all the documents we need. You’re approved.

    That’s one thing that’s different about me. I’m not going to come back to you later and say, ⁓ we need this. we need that. No, my list is exactly. You have all these things on the list. Get them to me. We can get you approved. It’s pretty simple. My, my, our process is very easy to work with and easy to work through with, with the smallest investor to the biggest investor, just a matter of sitting down and talking and going through the process, get the paperwork filled out and we can get you in into underwriting. The nice thing is my, my

    Three days in the underrating, four days, you’re approved. So we’re very fast at that. So for the fix and flippers that are trying to get a house quick, quick, quick, I want to get you in, get you approved. That way you’re already approved. And then when you get the house, boom, you have the money accessible for you to be able to go get it. So.

    Michelle Kesil (17:33)
    Amazing. Thank you for sharing that. So let me ask you this. What are some things that you are focused on solving or scaling next in your business?

    Christina Elizondo (17:36)
    Mm-hmm.

    ⁓ Some of the things that I’m working on right now are obviously expanding out to more more states more regions I’m wanting to expand my expand my business You know it here locally in Arizona as well But I do know and I’m very versed in all other states and how the real estate games are working out there and I also have a lot of Leads that come into me from people that are looking for investors trying to Buy properties in other states in other places. So I do have that available as well of a huge

    ⁓ list of people that I can connect people to as well as far as if they need for contracting, for work, you know, for any of those other kind of things. So I’m always trying to scale myself and scaling myself, I’m able to help other people scale as well by bringing those connections together.

    Michelle Kesil (18:31)
    Yeah, definitely. When it comes to building relationships and growing that network, what are things that have made that big difference for you?

    Christina Elizondo (18:43)
    Going out to the networking events is key for me. Going to, making sure you’re involved in those. Getting involved in your Chamber of Commerce’s, the Chamber of Commerce getting involved in the networking events that are either real estate. And a lot of people say, well, I need to get into the real estate networking group. You’re right, but all the real estate networking people are the ones who are already doing it there. Right? So I say, don’t go to the real estate networking ones. Go to the other business networking events.

    Because that’s where you’re going to find the investors, right? That want to come in and do the real estate, to do the real estate part. So my thing is always, yes, go to the networking events, but find the networking events that may have the higher ticket people. Go to those events that you’re going to help you be able to find the client that’s looking for the investor or looking for the investment to be an investor. know, so that’s what I say. Always don’t always go to the where your niche is.

    In real estate, don’t go to the real estate events, go to the other business events. That’s my, that’s my height, my, my suggestion.

    Michelle Kesil (19:50)
    Yeah, that is a great suggestion. I love that. I think that’s an important way to build new connections and new relationships that will take you far.

    Christina Elizondo (20:01)
    And then understanding for me too as well is when I have a conversation with somebody, it’s not just about the business. For me, it’s about the people. I work with a company called People Not Projects. And the person is the one, even though you are the business, right? You are the business. So I want to know you personally because that relationship is going to build us and I can understand you more.

    do my elevator pitch. It’s I talk about my family. I talk about my wife because that’s what’s going to bring somebody back to remember me versus I didn’t know anything about you. You know what mean? I want to know you personally so I can help you when your personal goals because the personal goals in the business goals at some point in your life need to need to align. Right. So you can have that’s what I try to help people do is bring that balance to business. My company is called Namaste Business Funding because of the purposes of

    Namaste means the divine in me bows down or honors the divine in you. And that’s what I want to do, bring that, that elegance to the, to the real estate world and show people that we can truly help them be able to achieve those goals that they’re doing together. Together makes a better, a better, a better quality investment in a better quality program than if we’re separated and we’re not, we’re not helping each other do the things. So community is very important to me.

    and people together and understanding and knowing your personal aspect and what’s your reasons why you do what you do. Let’s work together to achieve those goals.

    Michelle Kesil (21:36)
    Yeah, that’s so important. Relationships, community, networking are everything in this space and they’re going to take you so far, especially when you’re looking for the long-term vision in this world.

    Christina Elizondo (21:50)
    Yep, absolutely.

    Michelle Kesil (21:53)
    So what are some of the goals that you have for where your business is heading?

    Christina Elizondo (22:02)
    ⁓ Again, my goals are by the end of this year, I would love to have, you know, I want to have at least 100 more clients that I’d be able to get fundable. That’s my goal. If I can get more businesses fundable, because what that does is I look at the ripple effect, right? It’s not just about getting the businesses money. What are they going to do with that money? They’re going to hire people. They’re going to hire contractors. They’re going to fix another house that’s broken. All those things are what I look at for a business. And the end result is

    It’s bringing more money into the community. It’s bringing more money into that person’s life, into the other people’s lives that they’re helping. And the more impact we can make, the better it’s going to be. But we can’t make that impact alone. We need to make that impact together.

    Michelle Kesil (22:46)
    Definitely. So before we wrap up here, if someone wants to reach out, connect, collaborate, learn more from you, where can people find you?

    Christina Elizondo (22:57)
    My phone number is 602-488-3966 and you can reach me at namastebusinessfunding.com.

    Michelle Kesil (23:07)
    Perfect. I appreciate your time, your story, and your perspective. Thank you for being here.

    Christina Elizondo (23:10)
    Thank you.

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