FIX & FLIP Loan Rates Start at 7.99%
Close Like a Cash Buyer. Flip Like a Pro.
- Rates Start at 7.99%
- $1B+ Funded
- 4.8ā Google Rating
- Lending in 45+ States
- NMLS 1003404
Max Leverage
Leverage Up to 90% LTC
Fund 90% of purchase price plus 100% of your rehab budget. Keep your cash deployed across more deals.
Renovation
Speed Close in 7ā14 Days
Ā Win the deal, beat the cash offers, hit the market on schedule.
Velocity
Draws 24ā48 Hour Draw Funding
Underwriting
Underwriting Asset-Based Approval
We underwrite the deal and your track record ā not your tax returns. No W-2s, no income verification, no committee.
Fix and Flip Loan Terms
Ā Here’s the box we lend in.
| Loan Structure | |
|---|---|
|
Interest Rate |
Starting at 7.99% |
|
Loan Size |
$150,000 ā $5,000,000 |
|
Max LTC (Purchase) |
Up to 90% |
|
Rehab Fundingv |
100% (drawn as work
completes)
|
|
Max LTV (ARV) |
Up to 75% |
|
Term |
12ā18 months |
|
Structure |
Interest-only, no prepay penalty
|
|
Minimum FICO |
680 |
|
Pre-Approval |
24ā48 hours, soft credit pull
|
|
Close Timeline |
7ā14 days |
|
Draw FundingDraw Funding |
24ā48 hours |
| Eligibile Properties | |
|---|---|
|
Single-Family Residential |
Standard SFR fix-and-flip projects ā the bread and butter. |
|
2ā4 Unit Residential |
Duplexes, triplexes, and fourplexes. Same terms, same speed. |
|
Townhomes & Condos |
Including HOA-attached properties, provided the HOA is in good standing. |
|
Bridge-to-DSCR Refi |
Decide to hold after rehab? We refinance you into a long-term DSCR loan. Same lender, no re-shopping. |
Final rate and LTC depend on track record, market, and project economics. Business-purpose loans only ā lent to LLCs and business entities (not owner-occupied).
Flippers Don't Switch Lenders Twice.
The first deal is an audition. Here’s what happens after.
4.8
Verified ReviewsĀ
Built for Flippers Doing 5, 10, or 25+ Deals a Year.
We work with first-time flippers when the deal makes sense. But our program is engineered for the operators who treat this like a business ā not a side hustle.
01
5ā10 flips a year. Building toward 25+
Scaling Flipper
You’ve stopped using your own cash to fund deals. You’ve got a contractor crew you trust, a market you know, and an appetite for more inventory. The thing holding you back is a lender who takes 30 days to close ā by then, the deal is gone.
02
25+ flips a year. Running it like a business
High-Volume Operator
You’re doing 2ā3 acquisitions a month. You need a credit facility that funds at the speed of your pipeline ā not a one-deal-at-a-time relationship. We pre-approve you once and fund every deal that fits the box.
03
Strong deal, strong contractor, strong ARV
First-Time Flipper (Deal-by-Deal)
Less experience? Not a deal-killer. If the property, comps, and rehab scope check out, we’ll lend on the merits of the deal ā and help you build the track record that unlocks larger exposure limits down the road.
What Most Hard Money Lenders Get Wrong.
The reason flippers leave their last lender always comes down to the same four things.Ā
Ā
| WHAT MOST LENDERS DO | WHAT HML DOES |
|---|---|
|
14ā30 day close (deal dies on the vine) |
7ā14 day close |
|
70ā80% LTC + partial rehab funding |
Up to 90% LTC + 100% rehab |
|
3 months bank statements, proof of liquidity, sourcing downpayment. |
No bank statements, no sourcing of downpayment, no proof of liquidity |
|
5ā10 day draws (your crew waits). 3rd party inspection, invoices, etc. |
24ā48 hour draws. No lien waivers, no invoices
|
|
Re-shop every deal |
One approval, unlimited deals |
|
No refinance path post-rehabĀ |
Bridge-to-DSCR available |
$1B+ Funded. Here's a Sample.
Real flips, real timelines, real builders.
loan type
region
Luxury Beachfront Spec Home
Clarity & Confidence
Common Questions From Flippers.
How much do you lend on purchase and rehab?
Up to 90% of purchase price and 100% of rehab costs, capped at 75% of After Repair Value (ARV). Final number depends on track record, market, and deal economics ā the pre-approval gives you the exact figure.
How fast can you close?
7ā10 days from a complete application and ordered appraisal. We’ve closed in as little as 7 days for repeat borrowers with clean files.
Do I need flipping experience to qualify?
1+ completed flip is preferred, but not required. First-time flippers with a strong deal, contractor relationship, and reasonable ARV are reviewed on a case-by-case basis. Once you complete a few deals with us, we can offer larger exposure limits across your pipeline.Ā
What's the minimum credit score?
680 FICO. We pull soft credit only during pre-approval, so applying does not affect your score.
Do you require tax returns or income verification?
No. Our loans are asset-based ā we underwrite the property, the deal economics, and your track record. No tax returns, no W-2s, no income verification.
Do you lend to LLCs or individuals?
Business entities only (LLC, S-Corp, etc.). These are business-purpose loans for investment property ā not for owner-occupied homes.
How does the draw process work?
Complete the work, submit photos and a draw request through the portal, and we wire funds within 24ā48 hours of receiving the submission. No inspector trips for most draws ā we use photo-based draws to keep speed up.
Can I refinance into a long-term hold after the flip?
Yes. If you decide to hold the property as a rental instead of selling, we transition you into our DSCR rental program. Same lender, no re-shopping, no new application from scratch.
Do you check appraisals or use ARVs from comps?
We order full appraisals with as-is value and ARV (after repair value) from approved appraisers, based on local comps and your rehab scope of work.
What states do you lend in?
45+ states across the U.S. Headquartered in Los Angeles with a national HQ in Miami. NMLS 1003404 / DRE 01436503.
Are there any prepayment penalties?
No. Pay the loan off the day after closing if you can. We’re built for fast turn ā penalizing you for finishing early would be backwards.
Get Pre-Approved in 24 Hours.
680+ credit score. Business entity. A deal that pencils. That’s it.Ā
Submit your basic deal info ā we’ll come back within 24ā48 hours with a conditional pre-approval, rate, and loan amount you can use to make competitive offers immediately.
