Fix & Flip Loans (RTL) : Untapped Origination Opportunities ft. Shelley Duffy

On this electrifying audio episode of The MikedUp Show, hosts Mike and Mike shift into high gear, spotlighting the immense potential of fix & flip financing—complete with playful nods to “Caddyshack,” lively discussions about country clubs, and a comedic spin on how you, the mortgage originator, can emerge as a local hero for real estate investors. Their conversation with special guest Shelley Duffy, Executive Vice President of National Sales at Incenter Capital Advisors, radiates both humor and depth, showcasing the nuts and bolts of how lenders can break into a lucrative market niche that’s often overlooked.

Right from the get-go, the episode crackles with excitement: references to Rodney Dangerfield’s outlandish antics set the tone as the hosts draw a parallel between a golf-club outsider and the mortgage professional who hasn’t yet ventured into fix & flip. Shelley’s insights reassure anyone feeling like a newcomer that there’s a clear opportunity here: fix & flip can boost your bottom line and expand your reach far beyond standard Fannie or Freddie deals.

In her trademark approachable style, Shelley explains that Incenter Capital Advisors has been methodically building relationships and testing strategies that can give originators the most competitive fix & flip products around. She emphasizes the synergy with realtors—who themselves constitute nearly a quarter of the flipping market—and encourages originators to recognize the extraordinary benefit of being the “go-to loan source” for these investors. By offering specialized products that directly address the needs of property flippers, you become an invaluable resource in their quest to transform homes and profit from quick turnarounds.

A memorable highlight emerges as the conversation drifts into the comedic realm of “home improvement gone wrong.” If a house is already professionally renovated, Shelly jokes, it might save a family from the dreaded scenario of a spouse “sleeping on the couch” due to ongoing do-it-yourself disasters. The bigger picture is that fix & flip specialists deliver turnkey properties, and mortgage pros with the right financing solutions can help speed up the process—from the initial acquisition through final resale.

While fix & flip loans often come with higher points and fees—sometimes four or more—Shelley underscores that investors understand the cost of capital as a normal part of flipping. They’re accustomed to factoring in the expense, so the real question is whether you, as an originator, can deliver. Shelley highlights how Incenter aims to de-risk these transactions through meticulous due diligence and robust underwriting practices, so you don’t have to fear the dreaded buyback scenario.

Shelley’s deep industry background comes to the forefront during this discussion. Having built an impressive track record over more than 15 years, she’s navigated senior roles at Computershare Loan Services and Radian. Now at Incenter, she’s directing an expanding Enterprise Business Development team tasked with unveiling creative solutions—spanning capital markets, student lending, insurance, property tax, and more—that can significantly elevate a lender’s position in a competitive marketplace.

Throughout the episode, listeners will sense Shelley’s passion for forging new relationships and her drive to give mortgage originators the confidence to diversify. She and Incenter are committed to helping partners stand out by offering them an array of tools and resources tailored to the evolving world of fix & flip. If you’ve been searching for practical steps to navigate an untapped niche, this is your comprehensive guide.

Mike and Mike ensure that every minute of audio is packed with useful tidb