About Chandi
She went looking for funding, and found the gap instead.
Chandi Langley wanted to invest in real estate and had no idea where the money came from. That problem turned out to be the business.
How she got into real estate funding
In 2025 she went to a Life Surge conference to hear Ed Mylett speak. Of all the classes on offer, real estate was the one she felt God speaking to her most clearly about.
What she wanted was to become an investor herself — flips, rentals, short-term rentals. The problem was the part nobody explained: where the funding came from, and how to start without spending heavily on courses first.
Late one night in June 2026 she came across a reel saying she could help fund other investors' deals. It caught her, because she knew other people were standing exactly where she'd been standing. She could be the bridge. She took the course, completed the training, and got certified.
Lending felt like a step in the right direction — a way to help other investors while learning, building relationships, and working toward investing herself.
Why it matters to her
She gets to help people, build real relationships, and meet like-minded people. She wants to use the business to help build the Kingdom of God — taking back territory and putting it in the hands of good, Godly people.
And she's building a better life for herself and her son.
What she does differently
She takes the time to listen to what you're actually trying to accomplish, and looks at the whole deal — not just whether she can make money on it. Different lenders, different programs: she looks for the one that fits the borrower and the project instead of forcing every deal into the same box.
If the numbers don't make sense, if there isn't enough profit, or if the loan would put you in a bad position, she'll say so. Sometimes the right answer is to bring more money, change the plan, wait, or walk away.
Faith First. Integrity Always.
What the name actually means on a Tuesday.
Grace
Leading with faith, understanding, and treating people the right way — including the people whose deal she has to turn down.
Grit
Doing the work, searching for solutions, and not quitting when a deal is difficult. Faith comes first, and integrity matters more than earning a commission.
"I'd rather lose a commission than push someone into the wrong loan."
Raised around ranching. God as CEO.
Faith comes first in everything she does. She was raised around ranching for most of her life, and the ranch and rodeo world taught her what hard work looks like, how to keep going when things get difficult, and the importance of treating people right. Those experiences shaped the values she's building Grace & Grit on.
She completed a three-day private money lending training course and earned her lending certification. She's continually building relationships with more lenders, continuing her training, and learning about options that could help her clients.
Her certification is training, not a lending or mortgage license. Grace & Grit Investors is not a licensed mortgage lender.
FAQ
Questions she gets every week.
Plain answers, with the caveat that nearly everything in lending depends on the lender, the borrower, and the deal. If your question isn't here, ask her directly.
Do I need an LLC to get a fix-and-flip loan? +
Most fix-and-flip lenders require the property to be purchased through a business entity rather than in your personal name. An LLC is the most common option, though some lenders may also accept a corporation or qualifying trust. The exact requirement depends on the lender and program, so Chandi confirms what's needed for your specific deal.
How much cash do I need to bring to a fix-and-flip? +
It depends on the lender, the borrower, and the deal. Even when a program offers up to 100% of purchase price and renovation budget, you may still need money for closing costs, lender fees, prepaid interest, and reserves. She reviews the full deal and helps you understand what you may realistically need.
Can I get 100% financing on an investment property? +
It may be available on certain investment-property deals. It is not guaranteed, and it does not always mean the borrower needs no money. The deal has to meet lender requirements for credit, experience or approved training, reserves, property value, renovation budget, and projected profit. Some programs may finance up to 100% of purchase price and approved repairs while the borrower still covers closing costs, lender fees, prepaid interest, and other expenses.
What is ARV, and why do lenders care? +
ARV is after-repair value — the estimated value of the property once all planned renovations are done. Lenders use it to determine whether the deal has enough value and potential profit to support the amount being borrowed.
Do I need good credit for a hard money loan? +
Not always. Requirements depend on the lender and the strength of the deal. Lenders may weigh your credit alongside the property's value, the equity, your experience, and the cash or reserves you can bring. A stronger deal or more available capital may help offset lower credit, but every loan is still subject to lender approval.
What's the difference between a bridge loan and a DSCR loan? +
A bridge loan is short-term financing used to buy, renovate, refinance, or stabilize a property until it can be sold or moved into permanent financing. A DSCR loan is usually long-term financing for a rental, based mainly on whether the property's rental income covers its loan payment and expenses. A bridge loan gets you from one stage to the next; a DSCR loan is built to hold an income-producing property.
How fast can these loans close? +
Some loans may close in around 14 days when the borrower provides everything required and nothing unexpected comes up. Missing documents, underwriting questions, title work, appraisals, inspections, or third-party delays can extend it. Timing depends on the lender, loan type, property, and how complete the application is.
Can I get funding for my first deal with no experience? +
Funding may be available for a first deal. The lender will look closely at deal strength, credit, available cash and reserves, the renovation plan, and the exit strategy. Some programs may also require approved training, an experienced contractor, or an experienced partner.
Do you finance owner-occupied homes or primary residences? +
No. All activity is business-purpose real estate financing on non-owner-occupied property. Grace & Grit does not offer consumer-purpose financing for a home you intend to live in.
Building Legacies. Funding Dreams. Fueling Freedom.
Tell her about the deal.
Send the basics and she'll come back to you. If it's easier to talk it through, text is the fastest way to reach her — first calls run 30 minutes and are booked at least 24 hours ahead.
Embed slot
GHL_CONTACT_FORM_EMBED
Submitting this form does not affect your credit and does not commit you to anything.
Call or text
505-226-2493Availability
Monday–Friday, 8:00 a.m. – 5:00 p.m. Mountain Time