Funder Experiences.

“What made the difference for me wasn’t just the project—it was how it fit into a larger, well-thought-out strategy.”

- Scott Hill

"This business isn’t just about finding good deals—it’s about structuring them right and standing behind them when it matters."

- Greg Crawley

SCOTT HILL

About 15 years ago, I had my first experience with real estate investing. I purchased 16 acres of vacant land near Center Hill Lake in Tennessee with the intention of developing it.

Looking back, I got in too early—and more importantly, I didn’t have the capital or the right relationships to actually execute the plan. I held the property for three years, paying the mortgage the entire time, and ultimately sold it for less than I paid. Between the loss on the sale and the carrying costs, it was a tough lesson.

What I realized through that experience was simple: I didn’t have the experience or guidance to do it well.

A few years later, I got involved in a fix-and-flip project with a local contractor. That one didn’t lose money, but it didn’t really make any either. More than anything, it just felt like a disappointment.

Between those two experiences, I became more cautious. Not hesitant to invest—but aware enough to know I didn’t want to jump into something I didn’t fully understand.

So I waited.

In 2024, I attended a conference where I heard Pace Morby speak and was introduced to Gator lending. I joined his program (and a smaller group called "CCC") and began learning—not just from successful deals, but from the mistakes other investors were making.

A year earlier, I had also founded MarketMYSTR.com, a marketing software platform for short term rental owners.

Needless-to-say, I had access to lots of people doing real estate deals.

These experiences changed how I evaluated opportunities. I had a much clearer sense of what to look for—and what to avoid.

Around that same time, I reconnected with Greg Crawley. We had met years earlier and stayed loosely in touch, but eventually started talking more seriously about what each of us was working on.

When we first started those conversations, Greg shared a cool vision he was working toward—a development called Laurel Ridge, a 105-acre project planned for 87 single family homes.

That’s what initially got my attention.

But what stood out to me wasn’t just the scale of that project—it was how he was approaching it.

Instead of jumping straight into something that size, he was meticulously tweaking his model (which included a really impressive relationship with Home Depot) and working through a strategy that involved a series of smaller, structured projects designed to finalize his cottage, build capital, and build momentum—what he referred to as building a “war chest”—to position himself and his investors for Laurel Ridge.

One of those projects was Spencer Woods.

When he presented that opportunity, it wasn’t framed as a one-off deal. It was part of a broader, intentional plan.

At that point, I looked at it through a much more informed lens than I had in my earlier investing experiences and saw a path to more than just a "one-off" opportunity.

What stood out immediately was how structured everything was.

There was very little guesswork. The plan—from acquisition to renovation to refinance—was clearly thought through. Greg had systems in place (Buildertrend as an example) that improved efficiency and protected margins, and just as importantly, I had the opportunity to watch how he operated.

What continues to stand out is that he (and his team) does what he says he’s going to do. With transparency. Every time.

That consistency matters more to me than anything on paper.

At the time, I had capital sitting in another investment (Bitcoin) that I no longer felt as confident in. I made the decision to pull it out—not just to move it, but to put it into something I believed in more.

So I chose to participate in Spencer Woods.

There were four of us in the project, including Greg himself as an investor. Phase 1 was to acquire the property, renovate the existing home, and complete a cash-out refinance to generate capital for the next phase of development.

That’s exactly what happened.

The renovation was completed. The refinance closed and the project progresses the way it was originally outlined.

For me, as I mentioned earlier, the "get it done" (in word and deed) ethic continues to be the difference.

In previous experiences, things didn’t go the way I expected. In this one, they did and are.

But just as important was understanding how Spencer Woods fit into something larger.

I've already decided to "recirculate" my capital from this project into Laurel Ridge.

What I take from this experience, so far, isn’t just the outcome—it’s the clarity.

I have a much better understanding now of what a well-structured real estate project looks like, and what to look for when evaluating one.

And just as importantly, I know what doesn’t fit.

Looking back, I’m glad I didn’t rush into other opportunities along the way.

If my capital had been tied up, I wouldn’t have been in a position to participate in this one—or what comes next.

Scott's Funded/Committed Projects:

Spencer Woods Remodel

Spencer Woods Cottages

Spencer Woods Commerical Lot

Catawba Woods

Remodel

Laurel Ridge Land

Laurel Ridge Horizonal

*Joining the club is not a commitment to fund. It's how you get first access to projects.

GREG CRAWLEY

About 40 years ago, I got my start in construction working for other builders and developers—first in Tennessee, then in California.

Early on, I wasn’t just learning how to build. I was watching how projects actually worked.

Some of the builders I worked for were highly disciplined. They planned ahead, understood their costs, managed their draw schedules, and stayed in control of their projects from start to finish.

Others didn’t.

And I got to see both outcomes up close.

I saw projects run exactly as intended—and I saw what happened when they didn’t.

That experience shaped how I’ve approached real estate ever since.

Because what I learned early is this:

The success of a project has just as much to do with how it’s structured and funded as it does with how it’s built.


When I went out on my own, I carried that with me.

I started in remodeling, moved into spec homes, and eventually built custom homes—many of them large, high-end projects for clients who expected a high level of precision and accountability.

That meant more than just delivering a finished product. It meant understanding costs in detail, managing cash flow throughout the life of a project, working closely with banks, and building out draw schedules that kept everything aligned.

In reality, I wasn’t just building homes—I was managing the full financial lifecycle of each project.

And I did that for decades.


Over time, I began to recognize a pattern.

You can be very good at what you do—and still be limited by it.

Custom homes, spec builds, remodeling… all of it required my direct involvement from beginning to end. Every decision, every problem, every outcome came back to me.

It was profitable.

But it wasn’t scalable.


A few years ago, I revisited fix-and-flip projects—not because I needed to learn how to do them, but to evaluate whether they could become something more scalable.

From a results standpoint, they performed extremely well.

On one project, I purchased a property for $100,000 and invested roughly $70,000 into a full renovation—reworking the layout, rebuilding major systems, and significantly increasing the usable square footage.

By the time it was complete, the property appraised for $425,000.

The execution was strong. The margins were there.

But the bigger realization was this:

It still required my full attention on every project.

It wasn’t fundamentally different from what I had been doing for years.


That’s when it became clear to me that if I wanted to build something that could truly grow, the model itself had to change.

What I’ve come to understand over the course of my career is that real estate success isn’t just about finding opportunities.

It’s about structuring them correctly from the beginning.

Understanding cost.

Understanding timing.

Understanding how capital moves through a project.

That’s what determines whether a project performs—or doesn’t.


Today, that experience drives everything we do.

Instead of focusing on one-off deals, we take a structured approach—projects that are intentionally designed to build on one another.

The goal is to create consistency, generate capital, and build momentum over time—what I refer to as building a “war chest”—so that both we and the people who invest alongside us are positioned for larger opportunities.

Projects like Spencer Woods, in Catawba county North Carolina, are a direct reflection of that approach.

They’re not standalone deals. They’re part of a broader plan—designed to produce results, validate the model, and create a foundation for what comes next.

And what comes next is projects like Laurel Ridge (just northwest of Charlotte, North Carolina).


Just as important as structure and experience is something that doesn’t get talked about as much:

What happens when things don’t go as planned.

Because in real estate, at some point, something always doesn’t.

During the downturn in 2007–2008, I had multiple projects underway in a market that had effectively stopped.

Nothing was selling.

Instead of walking away or pushing the losses onto others, I made the decision to finish what I had started.

For several years, I worked through those projects myself—doing whatever it took to complete them and make things right.

By the end of it, I didn’t walk away with a financial gain.

But I did pay off everyone I owed.

More recently, we experienced a wire fraud issue during a closing that resulted in a loss and nearly impacted a partner’s investment.

There was never a question about how that would be handled.

If necessary, I would have made it right personally.

Because at the end of the day, this business isn’t just about returns.

It’s about responsibility.


When I look back, I don’t see separate chapters in construction, development, or investing.

I see more than four decades spent understanding how real estate projects actually work—from the ground up and from the financial side—and what consistently leads to success.

What matters most in this business isn’t just identifying an opportunity.

It’s having the experience, the structure, and the discipline to execute the plan the way it was intended-and the integrity to stand behind it when things don’t go perfectly.

That’s the difference.

Greg's Funded/Committed Projects:

Spencer Woods Remodel

Spencer Woods Cottages

Spencer Woods Commerical Lot

Catawba Woods

Remodel

Laurel Ridge Land

Laurel Ridge Horizonal

CHRIS CEPONIS

Coming soon...

Funded Projects

Spencer Woods

Project

Project

We focus on building long-term relationships with investors by maintaining clarity, simplicity, and consistent execution across every project.

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