Money Is Just a Tool | Badass Lender Jenn Billet on Credit, Creative Loans & Land Deals

Money Is Just a Tool | Badass Lender Jenn Billet on Credit, Creative Loans & Land Deals In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with licensed lender and investor Jennifer “Badass Boss Jenn” Billet to talk money mindset, fixing credit fast, creative loans for self-employed borrowers, and why “money only has the power you give it.” Jenn shares how she became the go-to lender for people other banks said “no” to—and how she now helps investors structure smarter loans, use private money, and tap non-QM and DSCR products to scale their real estate portfolios. She also breaks down her new passion project: Badass Creative Land Development—finding off-market land, getting entitlements, and partnering with builders to create obtainable housing, co-living projects, car washes, ADUs, and more across the West Coast. If you’ve ever been scared of your credit score, a loan application, or asking for private money, this episode will change how you see money forever. CHAPTERS 00:00 Money mindset: “Money only has the power you give it” 02:00 Community, Subto and the power of go-givers 06:00 How “Badass Boss Jenn” was born and saving denied loans 10:45 Losing money, learning lessons and why money is fake like Willy Wonka 13:30 What makes Jenn different from typical lenders (licensed, underwriter-trained, investor) 19:40 Building a team, SOPs and using AI in lending 23:00 Biggest mistakes borrowers make and why you should “just try” 26:30 How rates really work and why you should shop lenders 30:40 Retail vs bank vs broker, non-QM & DSCR for self-employed borrowers 32:50 Appraisals, realistic ARVs and why some deals won’t finance 35:00 Co-living explained and why the U.S. desperately needs more of it 38:00 Launching Badass Creative Land Development and obtainable housing 44:00 How to bird-dog land, send leads and get paid 51:40 Who Jenn is hiring and the operators she needs on her team 54:20 Advice for aspiring loan officers and entrepreneurs Connect with Jenn: Website (loans, calendar & land buy box): BadassBossJenn.com Email: [email protected] Brand: Badass Creative Land Development (monthly Zooms & updates via her site/socials) Connect with Edgar: Website: edgartheconnector.com Instagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with someone who needs a new money mindset, a badass lender in their corner, or a way to get started with creative loans, private money and land deals. Sleep better, dream bigger! Affiliate link: Eight Sleep https://refer.eight.sl/edgardsalgado ► Join The Subto Community for Life & Learn Creative Finance from ⁨@PaceMorby⁩ https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Method https://join.nre.ai/mQBDJK5 ► Get the tools I use for productivity https://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated