S5E19 — Using Credit Cards to Flip Houses (Without Going Broke)

In this value-packed episode of the Investor Shed Podcast, hosts Nick Beveridge and Jeremy Kitchen break down how they’ve leveraged credit cards, HELOCs, and business lines of credit to fund real estate deals — from flips to renovations — and built strong financial tools in the process.

Whether you're just starting out or you're a seasoned investor looking to maximize your credit potential, this episode delivers real-world examples, strategies, and cautionary tales. Plus, you'll get a glimpse into how Nick flipped his first house using a $15,000 credit card and how Jeremy turned a HELOC into a six-figure investing machine.

💳 In This Episode, We Cover:

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  How Nick rebuilt his credit after bankruptcy and used it to fund flips

  
  


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  The difference between secured vs. unsecured credit cards

  
  


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  Building business lines of credit from scratch (and how to get approved)

  
  


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  Why it's okay to carry balances if you're investing wisely

  
  


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  Leveraging personal vs. business credit for real estate

  
  


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  Creative financing strategies using Stripe, Square, Lowe's, and more

  
  


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  How to track credit lines and maintain a strong credit score

  
  


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  Pro tips on getting APR reductions and avoiding common pitfalls

  
  


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  How credit card points can fund personal projects and upgrades

  
  


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  Tools like QuickBooks, Robinhood, and DUNS numbers to expand your financial reach

  
  

🔗 Connect with us:

Official YouTube Podcast Page: https://www.youtube.com/@TheInvestorShed

Nick Beveridge's YouTube Page: https://www.youtube.com/@NickBeveridge

Real Estate Website: https://northidahorei.com

Facebook: https://www.facebook.com/profile.php?id=100063653307069

Instagram: https://www.instagram.com/theinvestorshed/

⏱️ Timestamps:

00:00 – Intro banter & podcast comeback jokes

01:30 – Nick's $300 Capital One card after bankruptcy

04:00 – How credit tenure affects approval odds

06:00 – Flipping houses with credit cards (Nick’s first deal)

10:00 – Using a partner’s credit to fund your first flip

12:00 – Tracking credit lines in a spreadsheet

14:00 – How Nick scaled to $250K+ in available credit

18:30 – Jeremy’s HELOC story and how it built their business

22:00 – Personal credit vs. business credit explained

25:00 – Building a business LOC step-by-step

28:00 – Why it’s okay to carry balances if you have a plan

30:00 – Which credit lines impact your personal score (and which don’t)

32:00 – Negotiating better terms with your credit card company

34:45 – Using points, rewards, and cashback to your advantage

38:00 – Why Nick puts subscriptions on unused credit cards

40:00 – Final thoughts on credit strategy for real estate investors

🏷️ Hashtags & Keywords:

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