Why do investors use fix and flip loans?

They offer fast closings, rehab funding, flexible underwriting, and the ability to fund deals with 15–30% profit margins.

What Is a Fix & Flip Loan? A Beginner’s Guide to Fast Funding

What Is a Fix-and-Flip Loan? A fix-and-flip loan is short-term financing designed for real estate investors who purchase undervalued properties, renovate them, and resell for profit—often within 6 to 12 months. Unlike traditional mortgages, these loans prioritize the property’s potential after rehab (ARV), not your income or tax returns. With fast closings, rehab funding, and flexible terms, fix-and-flip loans are the go-to tool for investors who need speed, leverage, and control.

At HardMoneyMan.com LLC , we specialize in direct lending for fix-and-flip projects nationwide. Whether you’re flipping your first property or scaling your portfolio, we fund deals that traditional lenders won’t touch.

How Fix & Flip Loans Work

Buy Low: Acquire undervalued or off-market properties
Rehab Strategically: Renovate with ROI in mind—focus on kitchens, baths, and curb appeal
Sell High: List in a hot market and close quickly for profit

Hard money lenders like HardMoneyMan.com LLC offer:

Up to 90% purchase + 100% rehab
Same-day draw funding via Snap App
Closings in 7–8 days
No tax returns or income verification

Who Qualifies?

First-time flippers
Licensed realtors and GCs
Experienced investors scaling their portfolio
Anyone with a strong deal and realistic ARV

Even if you’ve never flipped before, you can qualify with a solid renovation plan and conservative resale projections.

Why Investors Use Fix & Flip Loans

Benefit	Why It Matters
Fast Closings	Beat cash buyers and auction deadlines
Rehab Funding	Access capital without draining reserves
Flexible Underwriting	No income docs or credit score minimums
High ROI Potential	Fund deals with 15–30% profit margins

Internal Resources

Explore our Fix & Flip Loans page for full program details.

Check out our Charlotte Fix & Flip page for regional terms.

Read our FAQ guide for NC investors for common questions.

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans.