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From Fix-and-Flip to Mega Builds: Private Lending Evolves

We Lend CEO Ruben Izgelov explains the shift from fix-and-flip to large-scale construction loans in New York, with bigger budgets and longer terms. Learn how private lending adapts.

This news matters because it signals a significant shift in real estate investing: the traditional fix-and-flip model is losing profitability due to rising costs and tighter margins. For investors and borrowers, adapting to larger construction projects—like ground-up builds and conversions—is becoming essential for returns. Understanding how lenders like We Lend are changing their underwriting, requiring stricter documentation and longer terms, can help investors plan more effectively and avoid costly mistakes. This trend could reshape how real estate deals are structured, affecting everyone from small investors to large developers.