Skip to the main content.

Ted Spradlin

Ted is the managing broker for FCTD with 20+ years mortgage industry experience. His focus is bridge loans and long-term rental financing.

What is an Owner-Occupied Private Money Consumer Purpose Bridge Loan

4 min read

What is an Owner-Occupied Private Money Consumer Purpose Bridge Loan?

Picture of Ted Spradlin Ted Spradlin: Sep 25, 2024 12:00:00 PM

An owner-occupied private money consumer purpose bridge loan is a short-term financing option for homeowners to purchase a new primary residence before selling their current home. Owner-occupied bridge loans offer homeowners the benefit of “buy now,...

Owner Occupied Loans
Read More
Why Owner-Occupied Hard Money Loans are So Rare in Washington State

3 min read

Why Owner-Occupied Hard Money Loans are So Rare in Washington State

Picture of Ted Spradlin Ted Spradlin: Sep 25, 2024 5:26:39 AM

If you’ve been looking for an owner-occupied hard money loan for your primary residence in Washington state, chances are you’re not having any luck...

Owner Occupied Loans
Read More
Best Financing Options for a Fix & Flip Project $75,000 Over Budget

2 min read

Best Financing Options for a Fix and Flip Project $75,000 Over Budget

Picture of Ted Spradlin Ted Spradlin: Jul 7, 2024 3:11:34 PM

This blog post outlines the best financing options for a fix and flip project $75,000 over budget. While obtaining a hard money second mortgage may...

Fix & Flip Loans
Read More
Best Hard Money Fix and Flip Loans

2 min read

Best Hard Money Fix and Flip Loans

Picture of Ted Spradlin Ted Spradlin: Mar 27, 2024 9:39:28 AM

Since 2013, First Capital Trust Deeds (FCTD) has originated 700+ hard money fix and flip loans, particularly for properties in California. This blog...

Fix & Flip Loans
Read More
Fix and flip financing to acquire Auction.com listings

5 min read

Fix and Flip Financing to Acquire Auction.com Listings

Picture of Ted Spradlin Ted Spradlin: Feb 18, 2024 1:52:31 PM

If you’re a real estate investor interested in using fix and flip financing to acquire Auction.com listings, we have all the information you'll need...

Fix & Flip Loans
Read More
Fix and Flip Loans Mortgage Funds Versus Conduit Lenders

7 min read

Fix and Flip Loans — Mortgage Funds Versus Conduit Lenders

Picture of Ted Spradlin Ted Spradlin: Feb 17, 2024 1:46:21 PM

Real estate investors have their choice of several private money lenders to help them acquire and renovate their next fix and flip project. However,...

Fix & Flip Loans
Read More

3 min read

Fix and Flip Financing: Banks Versus Private Money Lenders

Picture of Ted Spradlin Ted Spradlin: Feb 4, 2024 2:29:29 PM

When searching for fix and flip financing as a house flipper or rehabber, it's not a choice between banks and private money lenders. Essentially,...

Fix & Flip Loans
Read More
How do fix and flip plus rehab payments work?

2 min read

How Do Fix and Flip Plus Rehab Payments Work?

Picture of Ted Spradlin Ted Spradlin: Feb 4, 2024 12:42:51 PM

If you're wondering how the payments on fix and flip plus rehab loans work, you’ve come to the right place. This blog post discusses how private...

Fix & Flip Loans
Read More
Fix and Flip Loans: Loan-To-Value (LTV) VS Loan-To-Cost (LTC)

2 min read

Fix and Flip Loans: Loan-To-Value (LTV) VS Loan-To-Cost (LTC)

Picture of Ted Spradlin Ted Spradlin: Feb 3, 2024 3:49:32 PM

Fix and flip loans are the primary source for funding a fixer-upper project, and understanding how they work is pivotal to your planning and success....

Fix & Flip Loans
Read More
Fix and Flip Loans - Minimum and Maximum Loan Amounts

2 min read

Fix and Flip Loans: Minimum and Maximum Loan Amounts

Picture of Ted Spradlin Ted Spradlin: Feb 3, 2024 2:57:37 PM

In the fast-moving world of house flipping, understanding fix and flip loans — especially the minimum and maximum loan amounts — is important for...

Fix & Flip Loans
Read More
1 2 3 4 5 Next