313 - How Alpha Funding Gets Investors to the Closing Table Fast with Vance Josey
Release Date: 07/20/2026
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info_outlineYou found the deal. You ran the numbers. And then you lost it to another investor because your lender couldn't get you a proof of funds letter over the weekend. If that scenario makes your stomach drop, this episode is about to change how you fund every deal from here on out.
Jen sits down with her husband and business partner Vance Josey, real estate broker, general contractor, and hard money lending expert with Alpha Funding, to pull back the curtain on how investors actually get deals financed. Vance breaks down the difference between prequalification and underwriting, why speed matters more than the lowest rate, and exactly what loan-to-value percentages look like for brand new investors versus those with six or more deals under their belt. He also reveals how to fund a deal with none of your own cash using unsecured lines of credit, what red flags make an underwriter nervous, and the exact habits that make you a borrower lenders want to keep working with.
Whether you're brand new to fix and flip investing or you've been doing this for years and want faster, more reliable funding, this conversation gives you the insider playbook most investors never get. If you've ever been outbid because your financing was too slow, or you're wondering how to scale without draining your own bank account, you need to hear this one.
5 Powerful Takeaways
- How to get an instant proof of funds letter so you can compete and win in multiple-offer situations, without waiting on your lender
- The exact loan-to-value percentages for new versus experienced investors, and how completing just six deals unlocks significantly better terms
- How to fund a deal with none of your own cash using unsecured lines of credit through Alpha Funding's partner MB Alpha
- What underwriters actually look for behind the scenes, and how to avoid the kind of last-minute closing disaster that can cost you a deal
- The simple communication habits that make you a "good borrower" lenders want to keep funding, especially when a project runs long or over budget
About the Guest
Vance Josey spent nearly 30 years climbing the ranks in corporate manufacturing before stepping into real estate full time. A graduate of Appalachian State University with a degree in accounting, Vance co-founded Jolific Homes with his wife Jen Josey in 2017, renovating homes throughout the Raleigh, North Carolina area. That hands-on experience led him to earn both his real estate broker's license and his general contractor's license, giving him a rare, ground-level understanding of a deal from acquisition through renovation to resale. Today, Vance brings that background to Alpha Funding, a boutique hard money lender based in New Jersey, where he helps investors across 43 states get fix and flip, new construction, DSCR, and bridge loans funded quickly. He and Jen are now also exploring manufactured home development as a path to more affordable housing.
Resources & Websites Mentioned
- alphafunding.com
- vance@alphafunding.com
Call to Action
To learn more about Jen Josey, visit https://www.therealjenjosey.com/
To join REIGN, visit https://www.reignmastermind.com/
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Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby