Funding Fix and Flip Deals with Private Money
Funding Fix and Flip Deals with Private Money  
Podcast: The INNER Estate with Bridget Ann Stuart
Published On: Fri Mar 20 2026
Description: Real estate investors often believe banks are the only way to finance property deals. When traditional funding disappears, many deals disappear with it. Yet some investors build thriving portfolios without relying on banks at all. Jay Conner, the strategy of raising private money for real estate takes center stage. After losing access to his bank credit line during the Global Financial Crisis of 2008, Jay discovered how everyday people could become private lenders and fund real estate deals. That shift changed his business and allowed him to scale his investing with confidence. Jay explains how private money works, why investors should secure funding before finding deals, and how educating lenders creates long term relationships that benefit both sides. Explore the difference between private money and hard money, how self directed retirement funds can be used for lending, and the mindset shift that helps investors raise capital successfully. Episode Highlights • How losing bank financing during the financial crisis led Jay to discover private money • Why lining up funding before finding deals gives investors a competitive advantage • How everyday people can become private lenders and earn passive returns • The key differences between private money and hard money lending • The importance of educating potential lenders rather than pitching deals • How self directed retirement funds can be used to fund real estate investments • Risk management strategies including loan to value and equity cushions • Why mindset and relationships play a critical role in raising capital Book Mentioned Where To Get The Money Now by Jay Conner About Jay Conner Jay Conner is a nationally recognized real estate investor, speaker, and educator who teaches investors how to raise private capital to fund real estate deals without relying on banks. Jay began investing in real estate in 2003. Early in his career, he relied on traditional bank financing and a local line of credit to purchase properties. While that approach worked initially, it required large down payments, origination fees, and personal guarantees on every deal. Everything changed when the real estate market collapsed during the Global Financial Crisis of 2008. His bank abruptly shut down his line of credit, leaving him with deals under contract and no funding. Determined to keep investing, Jay discovered the world of private money and began developing a system for raising capital directly from individuals. After refining his approach, the first person he asked provided $250,000 in private funding. Within just a few months, Jay raised more than $2.1 million from private lenders. What initially felt like a setback became the breakthrough that transformed his business. Today Jay continues to invest in real estate while teaching entrepreneurs how to create win win relationships with private lenders. His approach focuses on education, trust, and clear deal structures that protect both investors and lenders. Connect with Jay Conner Website https://www.jayconner.com Free Money Guide https://www.jayconner.com/MoneyGuide Private Money Scripts https://www.jayconner.com/scripts Book https://www.jayconner.com/book About the Host Bridget Ann Stuart Bridget Stuart is the host of The Inner Estate Podcast, where conversations explore the intersection of business growth, real estate investing, mindset, and personal development. Through thoughtful discussions with entrepreneurs, investors, and leaders, the show highlights strategies that help individuals build both financial independence and purposeful lives. Connect with Bridget Website https://bridgetstuart.com LinkedIn https://www.linkedin.com/in/bridgetstuart Instagram https://www.instagram.com/bridgetstuartofficial Facebook https://www.facebook.com/bridgetstuartofficial Interested in Being a Guest? Leaders, entrepreneurs, and investors who have meaningful insights to share are welcome to apply to join the conversation. Schedule a time here https://calendly.com/bridgetstuart67/theinnerestatepodcast