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Property address, purchase price, rehab budget, expected resale value, timeline, credit profile, and available liquidity.
Fix & flip financing
Fix-and-flip loans for real estate investors.
Short-term, business-purpose financing for the purchase and renovation of non-owner-occupied investment property. The file is built around the property, the scope of work, and the resale plan rather than a conventional debt-to-income review.
- Purchase and rehab handled in a single request.
- Renovation funds released through a draw schedule as approved work is completed.
- Underwritten on the asset, the budget, and the exit strategy.
- Send a deal and get a straight read on fit within 24 hours.
Send the deal.
Program at a glance
The numbers investors ask about first.
Figures describe programs commonly available through the lenders we place with. Final terms come from the lender after underwriting and appraisal.
How it works
From the address to the draw schedule.
Get a fit review
We review the leverage request against the scope of work and the exit, then identify the lender programs worth pursuing.
Move to submission
We help organize the scope of work, budget, and deal story lenders need so the file can move with fewer surprises.
Recent placements
Fix-and-flip deals we have helped move to closing.
FAQ
Fix-and-flip questions we answer most.
What is a hard money loan?
A hard money loan is short-term, business-purpose financing for investment real estate. It is commonly used for fix and flip, bridge, or rehab projects where speed, collateral value, and the exit plan matter more than traditional consumer mortgage requirements.
How are rehab funds released on a fix and flip?
Renovation money is usually held back and released through draws. The investor completes approved work, submits a draw request, and the lender verifies progress before reimbursing funds tied to the approved scope of work.
Do I need personal income verification?
Many private money programs are built around the asset, not a conventional debt-to-income review. Lenders still review credit, liquidity, experience, collateral, budgets, and the exit strategy before issuing terms.
Can I refinance into a DSCR loan instead of selling?
Often, yes. Once the rehab is complete and the property is rented or rent-ready, investors may use a DSCR refinance to pay off short-term debt and move into longer-term rental financing. Seasoning, appraisal support, rent, credit, and reserves all affect the options.
Next step
Ready to put a file together?
Send the deal above for a fit review, or go straight to the full application if you already have a property under contract.
Prefer to talk it through? Call (701) 353-0929.