What Is a Fix & Flip Loan? A Beginner’s Guide to Fast Funding
Fix and flip loans are short-term financing tools designed for real estate investors who buy distressed properties, renovate them, and sell for profit. Unlike traditional mortgages, these loans prioritize deal strength over personal income—and they fund fast.
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.
Ready to fund your first flip? Apply now and get approved in 7 days or less.
What Is a Fix & Flip Loan FAQ’s
It’s short-term financing for investors to buy, renovate, and resell properties for profit—typically funded by hard money lenders.
Yes. HardMoneyMan.com LLC works with new investors who have a solid plan and realistic ARV.
