Every investor eventually asks the same question: who do you use? Not who has the biggest billboard. Who actually picks up the phone, gets it closed, and doesn't make you regret the call.

This is our answer. These are the people Rob Bergeron and Winner Realty use on our own deals and send our own clients to, built over 13 years of buying, selling and closing in Louisville. Nobody pays to be on this page. If someone here stops doing great work, they come off it.

Want an introduction to anyone below? Ask Rob for an intro and he will connect you directly.

Lending

Bobby Clifton, CrossCountry Mortgage

For: conventional, FHA and VA loans, and pre-approvals for owner-occupants and house hackers.

Rob has sent his traditional buyers to Bobby since he started in real estate in 2013. Bobby is persistent, communicates with both sides, and has a back-office team that gets deals to the closing table.

Tyler Clontz, Clontz Capital

For: hard money and private lending for flips, BRRRRs (buy, rehab, rent, refinance, repeat) and quick closes.

Based in Prospect, KY, lending nationwide. When a deal needs to close faster than a bank will move, this is the call.

Eric Payne, Kentucky Private Lending

For: private money for Kentucky investors.

A local private lender who understands Louisville deals, and one of Rob's go-to people when a project doesn't fit a bank's box.

Title and Closing

Harry Borders, Borders & Borders

For: title and closings, especially when you want experience in the room.

A multi-generation Louisville title firm. Harry has been Rob's mentor for more than a decade and leads with kindness and generosity, which is a big part of why this list exists at all.

Alex Conway, Next Title

For: investor closings, wholesale assignments and creative-finance deals.

Alex is a title attorney who has closed more than 250 wholesale assignments. If your deal has an assignment, a novation or seller financing in it, he has seen it before.

Inspections

Nick Borders, Borders Home Inspections

For: pre-purchase inspections, including for out-of-state buyers.

Rob uses Nick on all of his own investment properties and his own home. Nick is an investor himself, and he will do a video walkthrough so out-of-state buyers can see what they're getting.

Legal

Michelle Rawn, Rawn Law Firm

For: evictions and landlord-tenant matters in the Louisville market.

The best in the business for evictions here. Rob uses her for his own, and refers every client who needs one.

Insurance

Eric Fox, Erie Insurance

For: homeowner's and landlord insurance.

Eric handles Rob's insurance and nearly every client's. Rob's honest advice: shop your rate anyway, because a good agent should be able to stand up to a comparison.

Tax and Accounting

Nathan Downs, CPA, Brown & Cheek

For: tax planning and returns for real estate investors.

Rob's own CPA and his standard answer when someone asks for an accountant.

Photos and Video

Chad Self

For: listing photography, video and walkthroughs.

Rob's photographer since day one, and now one of the biggest real estate photo and video producers in Louisville. He is also an investor with development, rezoning and flipping experience.

Renovation

Jake Fabish, Authentic Carpentry

For: renovations and remodels.

A decade of refining the renovation experience around the client, with work featured in the Tour of Remodeled Homes.

How this list works

• Nobody pays to be here. No one on this page pays Winner Realty for placement.
• We disclose relationships. Jake Fabish is also a Winner Realty agent. Next Title and Kentucky Private Lending co-host a monthly real estate event with us. Clontz Capital is a lending partner of ours. Eric Fox sends a small thank-you gift card when a client of ours uses him. Where a relationship exists, we say so.
• You are free to use anyone. You never have to use a provider on this list to work with Winner Realty. Compare, ask questions, and choose whoever fits you.
• Can't find who you need? We also know good plumbers, electricians, contractors, commercial lenders and more. Ask Rob.

Investing from another state or another country? Our out-of-state investor playbook and guide for international investors walk through how this team works with remote buyers, and you can send us your buy box on our investor intake form.

Frequently asked questions

Do I have to use these providers to work with Winner Realty?

No. You can use any lender, title company, inspector or attorney you want. This list is who we trust, not a requirement.

Does Winner Realty get paid for referring me to these people?

No one pays us to be listed. The relationships we do have are disclosed above so you can decide for yourself.

I'm investing from out of state. Can this team work with me remotely?

Yes. Nick Borders does video walkthroughs of inspections, and most lending, title and insurance work can be handled remotely. Rob can coordinate introductions.

How do I get introduced?

Book a time with Rob or call Winner Realty at (502) 305-8915 and tell him who you need.

Run the numbers before you call anyone: Investment Property Analyzer, BRRRR Calculator, Rehab Cost Estimator, House Hacking Calculator, or see all of our free tools.