The Ricky Ricardo Show

Episode 67: How I Funded a Flip Without a Pile of Cash (The Real Money Stack)

Ricardo Hernandez Episode 67

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In a previous episode, I shared that a $152,000 wire hit my account after selling my first flip.But this episode isn’t about celebrating that number.It’s about the truth behind it.This deal didn’t happen because I had a pile of cash sitting around. It happened because I had to think differently, take on real pressure, and figure things out in real time.In this episode, I walk you through:How I funded my first flip without having cash on handThe real funding stack: 401k loan, hard money, HELOC, and credit cardsWhere things went wrong when the rehab went over budgetHow my W-2 paycheck, credit, and stress were all impactedThe lessons I’m taking into my next deal so I don’t repeat the same mistakesThis isn’t a blueprint or a recommendation — it’s simply my path.We all come into this with different resources, and this is how I navigated mine.If you’ve ever wondered “How do people actually fund deals?” or felt stuck because you’re illiquid, this episode is for you.Next episode: I break down the expenses, paybacks, and what the real numbers look like after the wire.

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About the show:
The Ricky Ricardo Show documents the real journey of building financial freedom through leverage, better decision-making, and real-world lessons — in real time.
Real estate is the current vehicle, but the principles apply far beyond it.