Looking for answers? You’re in the right place.
We know real estate investing comes with questions—and finding fast, reliable, and affordable funding shouldn’t be harder than the deals themselves. That’s why we created this FAQ: to give you clarity, confidence, and a look behind the curtain at how our Account Holders gain a major competitive edge. Whether you’re just getting started or scaling up, these answers will help you move forward with less guesswork and more results.
At Wealth 212˚, offering the Keystone Funding Network, we’re not your typical lender—and that’s exactly the point.
We cut out the middlemen—no “hard money” broker fees, no inflated fees, no unnecessary gatekeepers. You get direct access to vetted funding sources at real investor rates, without the layers of commissions or red tape.
We’re a consultative lender, which means we don’t just hand you funding and hope for the best. We walk alongside you throughout the deal—reviewing your numbers, offering guidance when needed, and helping you reduce risk. While we can’t guarantee success (no one can legally do that), our systems are built to give you the best shot at it.
Funding for flips, rentals, wholesales, and complex deals
Proof of Funds to make strong offers fast
Expert property reviews—know if your numbers make sense
Smart tools like calculators, comp support, and timelines
Mentoring + real human help, not just a login and a video series
Real estate is competitive. You need more than capital—you need a team. That’s what sets us apart.
If you’re serious about scaling your investing the right way, you’re in the right place.
That’s a great question—and also a trickier one than it sounds.
Unlike brokers or retail lenders who only have one or two funding options with rigid guidelines, we work with thousands of lenders across multiple capital channels, so we don’t have a fixed checklist of requirements. Instead, we evaluate deals based on their strength, and then match them to the funding solutions that make the most sense.
Real estate funding isn’t magic. Good deals get funded. Bad deals don’t.
Here are a few guidelines that apply across most of our programs:
Start with a strong profit margin: Experienced investors know that a healthy projected profit—typically $50k or more—makes funding faster and easier. It gives both you and the lender breathing room if things don’t go exactly as planned.
Contract in hand: No lender will do a full evaluation without it. This is your starting point, not your finish line.
Rehab preferred: Deals with zero rehab usually lack equity, which increases lender risk. Rehab creates value and equity—and equity means protection for both you and the lender.
Clear comps: Lenders want to see real, recent market data that supports your ARV. Aim for comps within a mile, same size, same age, same style (and create them yourself, don’t let a realtor create these for you, after all they are trying to sell the property, right?)
Standard property types: Stick to the sweet spot and avoid historic, rural, or luxury homes, and steer clear of properties that have sat on the market too long.
No obvious red flags: These can vary, but experience will help you spot them. When in doubt, run it past us.
You matter too: Your credit, experience, and liquidity affect your rate and terms—not necessarily whether we can get the deal funded, but how favorable your options will be.
We don’t lock you out for missing one box—we work to find a solution.
And if it’s not fundable today, we’ll tell you why and how to make it better.
📌 Bottom line: If your deal makes sense on paper, chances are it will make sense to someone in our network. Submit it, and we’ll help you figure it out.
Whether you’re just getting started or have several deals under your belt, you’re in the right place.
We are a consultative lender—we’re here to fund real estate deals. But unlike most lenders, we don’t just drop a pile of cash in your lap and wish you good luck. If requested, we work alongside you to ensure your numbers are solid and your strategy supports long-term success.
Our competitive rates are possible because we help reduce risk—through smart guidance and by backing both new and seasoned investors.
New to investing?
Our Academy, Knowledge Base, and deal calculators walk you through what makes a deal fundable. We also help you avoid common beginner pitfalls like:
Submitting REPCs (contracts) with incorrect or risky terms
Choosing unvetted contractors (we recommend licensed, bonded, insured, and reference-checked pros)
Overlooking title issues, liens, or unrealistic math
Experienced investor?
You’ll appreciate our streamlined submissions and access to funding strategies rarely available through traditional brokers—like creative financing solutions, portfolio-based planning, and avoiding unnecessary credit or cash dependency that can block future acquisitions.
No matter your level, two things matter most: motivation and professionalism. If you bring those, we’ll bring the rest.
It depends on the type of account you opened—Basic or Premium. (See “What’s the difference between Basic and Premium?” for more.)
As a network, we help fund almost every kind of real estate deal imaginable—from simple fix-and-flips to large multifamily and commercial—but your account level determines your access.
Regardless of account type, one thing never changes: a good deal is a good deal. The fundamentals of what lenders look for are universal and widely available online—but here’s a quick breakdown:
✅ Start with a solid contract — It should be properly executed, allow for assignment (if wholesaling), and include an inspection period.
✅ Back it up with comps — Use recent, nearby, and similar property sales that support your ARV (after repair value). Avoid relying on agents or sellers—do the research yourself.
✅ Include rehab bids — Ideally, get three licensed, insured, and bonded contractor bids. This shows you’ve done your homework and helps make the numbers real for lenders.
✅ Avoid tricky properties — That means rural, luxury, or historical homes. Also avoid anything that’s been sitting on the market too long, or priced under $100K “as-is,” which is hard to appraise and risky to fund in today’s market.
The key takeaway: we’re not here to make risky deals look better—we’re here to help real deals get funded. Bring us a solid deal, and we’ll match you with real options.
When in doubt, submit it—we’ll let you know if it’s fundable.
Our account selection process is unique and exclusive to individuals with the right motivation, skills, and compatibility. We limit account holders per area to create a close-knit community where everyone thrives, and we prioritize building long-term relationships.
Your part? It’s a big one—you bring the deal.
As the investor, it’s your job to find and secure a property that makes financial sense. We’ll back you up with the tools, resources, and support to help you succeed, but the deal starts with you.
Once you have a signed contract, you’ll use our tools—like the profit calculator—to run the numbers. Then, gather the essentials:
Comparable sales (comps)
Contractor bids
A BPO or Broker Price Opinion (if available)
These help confirm the value and profit potential of your deal. From there, our team steps in to review and recommend the best funding path—tailored to your property, your goals, and your experience.
You don’t need to be perfect, but you do need to be proactive. We’ll give you the tools, but you’re the one driving the deal forward.
The current real estate market is fast-moving, competitive, and more technology-driven than ever. But for investors who stay sharp, strategic, and well-supported—it’s full of opportunity.
🏙 Institutional Investors Are Gaining Ground
In many markets, large-scale investment firms are buying entire blocks at once. Atlanta is a prime example—over half of its single-family rental homes are now owned by institutions, easily spotted by green “for lease” signs across neighborhoods. This trend makes it more difficult for unsupported individual investors to compete.
⚙️ Technology is Raising the Bar
Deals are online. Funding is online. Research is online. Institutional buyers use powerful software to analyze properties, financial histories, and local trends in minutes. Many investor tools offered to the public are just repackaged public data—expensive, yet limited.
✅ Your Competitive Edge
As a Keystone Funding Network account holder, you gain access to tools, strategies, and support typically reserved for high-level institutional teams. Our resources are designed to level the playing field—with on-demand Proof of Funds, smart calculators, contract support, and direct access to teams who know how to structure deals that close.
You’ll also receive proprietary insights and market strategies that most investors never hear about—because we work with institutional-level funders and know what they’re looking for.
In short:
Yes, the market is changing—but that’s exactly when the sharpest investors thrive. Stay nimble, leverage your account, and you’ll discover opportunities most others miss.
At Keystone Funding Network, we offer two powerful account tiers designed to match your real estate investment goals—whether you’re just getting started or ready to scale big.
Focused. Simple. Effective.
Our Basic Account is built for account holders working on one property at a time, providing direct access to expert support and streamlined funding.
What it covers:
Single-Family Residential (SFR)
Up to 4 units
Purchase price under $600,000
Ideal for fix-and-flip or buy-and-hold
One deal at a time, with dedicated guidance
Perfect for those who prefer a more hands-on, step-by-step approach while building their foundation in real estate.
Built for serious growth.
Our Premium Account opens the door to more advanced strategies, bigger deals, and broader flexibility. It includes everything in Basic—and so much more.
What’s included:
SFR + Multi-unit + Commercial
Ground-up construction
Cash-out refi, bridge loans, transactional, extensions
Cross-collateralized and complex funding structures
Access to “Deals Delivered” (pre-vetted fix-and-flip opportunities)
Premium is built for scalability, speed, and diversity—with program options designed to support short- and long-term growth, including 1-year, 5-year, and lifetime access.
Every investor is different. That’s why our in-house teams are trained to match you with the right account for your strategy, risk tolerance, and growth timeline.
Whether you’re launching your first deal or managing a growing portfolio, we’re here to help you move smarter, close faster, and keep more of your profits where they belong—with you.
Apply today or schedule a free strategy session to explore which account fits your path to financial independence.
🡒 Real estate success isn’t about luck. It’s about having the right plan, the right team, and the right funding.
Great question. Upfront costs are a common concern for anyone looking to invest in real estate, and it’s smart to ask about them before choosing who to work with.
🧾 Let’s talk about how brokers work:
Most hard, private, or direct lending brokers charge a range of upfront fees. These are often staggered—application fees, doc fees, inspections, appraisals, titles, and even broker-specific “admin” charges. Many won’t give you the full picture up front, and the term “closing costs” gets used loosely, sometimes covering just one item to make the offer look more affordable and undercut their competition. In reality, these fees add up—usually 5% to 7% (ethical brokers include realtor fees) of the purchase price—and that’s not including up front cash required to cover your points or down payment.
💡 Here’s how we’re different:
At Keystone Funding Network, powered by Wealth 212˚, you’re working directly with a lender network—and that changes the game.
Your Account setup fee works more like opening a business bank account, which usually requires a deposit. Ours is a one-time entry into an ecosystem of funding, support, tools, and investor-only pricing. Instead of paying broker fees on every deal, you unlock deep cost savings, faster access to Proof of Funds, smarter deal support, and the backing of thousands of potential funding options—not just one broker’s program.
In other words:
👉 You’re cutting out the middlemen.
👉 You’re getting “wholesale”-level access.
👉 You’re stepping into the room where the decisions happen—not standing in line at the front desk.
💼 Think like a business, not a borrower:
The challenge for many is to upgrade their consumer mindset to a professional one: A consumer sees a cost as debt and an expense, a professional will see the same expense as an investment. The psychology goes deep and causes most to get stuck in “let me think about it” mode. Most are taught to stay out of debt, get a good job, be loyal to their boss, work hard 9-5, save every penny and hope that at some point their entire savings won’t be wiped out by a medical emergency, while the wealthy follow opposite instructions. Of course, for consumers this is easily said, hard to get out of their system. Let’s put it this way: If you were starting a restaurant or franchise, a five or six-figure startup cost would be expected before ever seeing a dollar in return. Imagine the amount of donuts a baker would need to sell to recoup their investments! Real estate investing can generate those same returns—or more—with far less upfront capital and pay off initial investments in a single deal! But you still need a professional setup, and that’s exactly what your Account gets you.
One more thought: instead of paying up front costs again and again per loan, our fee is not only less than most lender’s costs per loan, it is only once (with a small monthly)—one that connects you with everything you need to move fast, build smart, and grow a profitable portfolio.
Because not every investor has the same goals—or the same journey.
Some of our clients are looking to flip one or two properties a year to supplement income or pay for a dream vacation. Others want to take on multiple projects at once, pursue larger deals, or build long-term wealth through a real estate portfolio. That’s why we offer different account levels to match your pace, ambitions, and preferred style of support.
Our Basic programs are ideal for those doing one deal at a time, focusing on SFR (Single Family Residential), up to 4 units, and up to $600k. These accounts offer streamlined online tools and access to funding at unbeatable rates.
Our Premium programs open the door to more advanced strategies: multi-property activity, higher funding limits, and more complex deal types including multi-family, new construction, cross-collateralization, and commercial. Premium members also gain access to programs like Deals Delivered and additional live support when needed.
Whether you’re flipping your first house or growing a multimillion-dollar portfolio, our team has the tools, resources, and expertise to support you at every stage.
Unlike banks, we work with private, direct, and non-traditional lenders—so the rules are different.
While credit score, cash reserves, and experience can affect your funding options and rates, they are not barriers to getting started. Our network is built around flexibility and creative deal structures. We’ve helped brand-new investors fund their first deals, and we’ve worked with experienced professionals to scale their portfolios.
Here’s how it works:
Credit Score: Some programs require a minimum, others don’t. The higher your score, the better your terms—but we can still help below-average scores get funded.
Cash Reserves: Many programs require some cash in the deal, but options exist for low-cash investors—especially those who bring strong deals to the table.
Experience: If you don’t have experience, you’ll be assisted on how to present your deal properly. For experienced investors, we can match you with more advanced funding tools and property types.
Our role is to help you position yourself and your deal in the best light possible. The better the deal and the more prepared you are, the more funding options we can open up for you.
No borders here—you’re not limited to your local market.
As an account holder, you have the flexibility to invest in almost any market across the U.S. Whether you’re looking close to home or in a hot market across the country, you’re free to go where the opportunities are.
In fact, many of our most successful account holders invest remotely, taking advantage of:
Lower property prices in emerging markets
Higher returns in areas with strong rental demand
Turnkey deals through our national network of vetted contractors and partners
Go where the math works—we’ll support you wherever that is.
Wealth 212˚™ provides the Keystone Funding Network™ program.
Like any business, real estate investing involves risk—but it’s risk you can prepare for and control.
That’s where your account with us makes a difference. We’re not just here to provide funding—we help you build smarter deals with:
Guidance on red flags (bad math, contract issues, overestimated values)
Access to vetted contractors and tools for stronger due diligence
Programs designed to keep you in control of costs and timelines
Peace of mind comes from preparation, not just luck. The right support makes all the difference—and that’s exactly what your account is built for.
Club 212˚ is our private, invitation-only tier for serious investors ready to play the long game. This is where strategy meets scale—designed for those looking to build real portfolios, access high-level funding, and explore the kinds of deals most investors never even hear about.
We don’t advertise Club 212˚.
We don’t promote it publicly.
You earn your way in.
Inside?
You’ll find multi-million dollar opportunities, syndication options, insider access to vetted partnerships, and a deeper level of strategy reserved for those who think beyond single flips or short-term profits.
If you’re wondering whether you belong here…
You’re probably getting close.
Once your account is active, which will take no longer than 5-10 business days, you’ll be able to submit deals—we recommend using these first few days to review the submission process and get familiar with the tools. Think of it as preparing your foundation before you build. You are cutting out a broker and their massive up front costs, so you will need to figure out how to get the ball rolling without them (we have made this really easy, but still, you need to know where to go in your Account Center and what to do)
🔍 Tip: Our educational materials, Academy access, and submission guides are designed to help you avoid costly mistakes and hit the ground running.
We also ask that you don’t make your first submission a “911” funding emergency.
Let’s start strong with well-prepared deals—those are easier to fund and build trust with our teams and lenders. Avoid submitting properties you’ve already shopped to others without success.
Once you’ve reviewed your materials and know how to prep a solid deal, you’re ready to submit—and our team will be here to support you every step of the way.
Let’s build momentum the smart way.
Yes, you can—especially in our PrimeProfit™ program, where you’re managing the deal yourself. That said, there are important considerations depending on your role:
You’re welcome to take on part of the rehab, and we’ve seen many contractors successfully transition into full-time investors. However, most experienced investors choose not to do the physical work themselves. Why? Mainly due to liability and scalability.
As an investor, your time is most valuable when spent finding, funding, and managing multiple deals, not on-site doing the labor. Your profit should come from your calculated margins, not from saving on labor costs. Plus, involving yourself directly can expose you to contractor-related risks that investors typically avoid.
That said, if you’re a contractor looking to build a portfolio, we’re here to support that transition and can show you how others have made the leap from job site to full-time investor.
Absolutely—you can and should use your license and MLS access to your advantage. Many of our account holders are licensed agents who’ve learned to leverage their access to properties, data, and local market insight to spot great deals before others do.
We’re happy to help you explore how other realtors have successfully balanced investing with client work—or even transitioned into real estate investing full-time. Whether you’re planning to stay active as an agent or shift focus to investing, we’re here to help you build a strategy that fits.
Bottom line: Whether you’re a contractor, a realtor, or both—there are ways to use your professional background to accelerate your investing success. Let us know your goals, and we’ll help you map the right path forward.
That’s a great question—and one we’re proud to answer.
We’ve been around a long time, and much has changed since the network was started. In the early days, we offered only one funding option. Today, we support a full network of account holders with thousands of funding programs and a complete real estate investing platform. So if you come across older reviews or mentions online (note most are from well before COVID, when everything was different), know that they may reflect a much earlier, simpler version of what we’ve become.
That said, if you dig deep, you’ll find both positive and negative commentary out there—as with any company involved in high-value transactions like real estate and funding. We’re well aware of it.
Because we operate in the regulated world of lending, our clients agree to strict confidentiality and non-disclosure agreements. This protects both parties but also limits what account holders (past and present) can share publicly—good or bad. That’s why you won’t see the same volume of online chatter you might expect from a typical retail business.
Of course, some reviews (even five-star ones!) still made their way online—and we love their enthusiasm while asking them to refrain. On the flip side, there are occasional posts from individuals who claim to have submitted dozens of deals… without any record of ever having had an account with us (one claims over 20 submission and none got funded – who in their right mind would continue submitting after the first few?). Unfortunately, when big money is involved, misinformation can spread, often from those with a grievance or an agenda.
Here’s our take: We’d love for you to do your homework. Ask questions. Explore. And if you’ve ever read reviews of airlines, cruises, hotels, or even theme parks, you know that no review tells the full story without context.
We’re happy to be judged by our work—and our account holders, real deals, and real results speak for themselves. If you’re serious about real estate investing, we’re confident you’ll find that what we offer is unlike anything else out there.
Yes… and no.
No in the sense that you’re the investor—finding the deal is your role. If we had to go out and locate great deals ourselves, we’d likely just fund and flip them directly. That’s why your ability to source solid opportunities is so valuable—and why we partner with you.
But also, yes, we support you with everything you need to get great at it. Our platform includes training, tools, workshops, and strategies used by some of the top investors in the country. You’ll learn how to analyze markets, negotiate contracts, and spot the right kind of deals—all based on current lending and investing trends.
We don’t just fund deals—we equip you to find better ones. So while we won’t hand you a property on a silver platter, we’re here to help you build the skills and confidence to do it like a pro.
Yes—we do. It’s called our ProfitSharePro™ program. This option allows you to bring a qualified deal to the table with zero capital investment, and we’ll fund it 100%. Sounds great, right? But here’s the catch—and it’s an important one:
Since you’re asking the funding partner to take on all the risk, the criteria are strict. We’re talking:
Minimum $50k profit
SFR, under $600k, 1–4 units
No rural, luxury, or historical homes
And you must bring something of value—usually experience, time, or project management capacity
That’s why most investors choose PrimeProfit™, our standard funding program. It’s much easier to qualify for and, more importantly, you keep 100% of your profits. For most investors, even bringing a modest down payment results in far better returns than giving up half your profits.
Quick note: 100% funding does not mean “no costs.” There are still closing costs, insurance, title, appraisal, etc. That’s standard in real estate, and we highly recommend doing some online research to understand what “100% funding” truly means across the industry.
In short:
✅ Yes, 100% funding is available
⚠️ No, it’s not the easiest or most profitable route for most investors
💡 That’s why it’s great to have options—and we’ll help you pick the one that fits best.
Absolutely. Our SwiftWholesale™ program was built specifically for account holders who want to assign contracts rather than fund and close.
It’s one of the fastest and most accessible ways to profit in real estate—especially when you’re just getting started or want to keep your cash free for the next opportunity.
Here’s why SwiftWholesale™ has become one of our most in-demand programs:
✅ Fast Turnaround
Many wholesale deals close in just 3–5 weeks—far faster than the timelines involved in rehabs or rentals.
✅ Reduced Risk
No ownership, no rehab surprises, and no months-long holding costs. Just find the deal, get it under contract, and assign it.
✅ Strong Profits
Wholesaling can match or even exceed rehab profits without the same time and risk. Many of our account holders report average assignment fees between $10k and $40k—with some outliers exceeding that.
Our network of buyers is active and growing—and they need deals. With SwiftWholesale™, you get access to that network, plus the credibility of being backed by a professional team that screens your submissions.
Important note: This program still requires smart deal analysis—clean comps, a properly structured contract, and a realistic ARV. But once you understand the process, it’s one of the fastest ways to turn your time and effort into real returns.
If you’re ready to start submitting, check your Account Guide or login to begin.
No. All investment and financial decisions are yours.
Yes—we believe success in real estate starts with confidence and clarity.
When you open an account with us, you’re not left to figure it all out on your own. You’ll gain access to:
📚 The Wealth 212° Academy – an on-demand platform with practical, easy-to-follow insights on submitting deals, avoiding common pitfalls, and understanding how to approach different property types.
🔎 Smart tools – like our profit calculators and submission checklists to help make sure your numbers work before you dive in.
🤝 Real-time support – our teams respond to tickets within two business days and are here to help you stay on track, especially when deadlines matter.
📄 Templates & resources – including guides, forms, and FAQs that walk you through everything from offer to close.
We’re here to make sure you’re not navigating the process blind, but we also respect that you’re the investor—we’re just the ones helping you get it done more efficiently.
And while there are no promises or guarantees (as in all real estate), many of our account holders find our built-in support more actionable and results-focused than some of the programs they’ve previously paid thousands for.
Open an account, get connected, and see for yourself.
Absolutely—that’s what our Premium Accounts are designed for.
At Keystone Funding Network, we specialize in helping serious investors build and scale real estate portfolios. Our Premium Accounts come with back-end support teams experienced in everything from single-property funding to advanced portfolio structuring.
Within our Premium tier, account levels reflect your preferred approach and pace:
🔹 At the foundational level, we expect initiative and activity to start with you—the investor. You bring the energy; we provide the funding, tools, and guidance.
🔸 At the higher tiers, our teams take a more proactive role, offering strategic support, deal analysis, and access to exclusive opportunities that can accelerate your growth.
Across all Premium Accounts, you’ll have access to funding programs that support multi-unit properties, repeat submissions, advanced structures (like cash-out refis, cross-collateral deals, and new construction), and resources to help make your long-term strategy a reality.
Whether you’re growing a small portfolio or positioning yourself for large-scale acquisitions, our Premium Accounts are built for your success.
Let’s build something big—together.