What is a fix and flip loan?

A short-term loan designed to finance the purchase and renovation of a property before resale.

How fast can I get approved for a fix and flip loan?

Approvals are typically issued within 30 minutes, with closings in as little as 14 days.

Do I need perfect credit to qualify?

No. Fix and flip loans focus on the property and project, not just your credit score.

Can I close in an LLC or business entity?

Yes. We allow closings in LLCs and other business structures.

How do rehab draws work?

Funds are released in stages as renovation milestones are completed and verified.

Do you work with first-time investors?

Yes. Whether it’s your first flip or your fiftieth, we provide flexible options.

What types of properties qualify for fix and flip loans?

Single-family homes, townhomes, and 1–4 unit residential properties.

What is the typical interest rate for fix and flip loans?

Rates vary by project and borrower profile, but are higher than traditional mortgages due to short-term nature.

How much can I borrow with a fix and flip loan?

Loan amounts are based on purchase price, rehab budget, and after-repair value (ARV).

Do fix and flip loans require tax returns?

No. These loans are deal-driven and do not require personal income documentation.

Fix & Flip FAQ’s and Loan Insights for Real Estate Investors

Explore key details about loan structure, approval speed, credit flexibility, and more.

Fix & Flip Loan FAQs for Real Estate Investors

HardMoneyMan.com LLC is a trusted nationwide lender specializing in fix and flip financing for real estate investors of all experience levels. With over two decades of industry expertise, we’ve funded thousands of projects coast to coast—delivering fast approvals, flexible rehab draws, and deal-first underwriting that puts your investment strategy front and center. Whether you’re flipping your first property or scaling a portfolio, our team is built to move at the speed of your deal.

Ken Vesely 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.

Everything You Need to Know About Hard Money, Rehab Funding, and Getting Approved Fast

Explore our fix and flip loan programs

What is a fix and flip loan? A short‑term loan designed to finance the purchase and renovation of a property before resale.
How fast can I get approved for a fix and flip loan? Approvals are typically issued within 30 minutes, with closings in as little as 7 days.
Do I need perfect credit to qualify? No. Fix and flip loans do require a 640 mid score.
Can I close in an LLC or business entity? Yes. We allow closings in LLCs and Corporations.
How do rehab draws work? Funds are released in stages as renovation milestones are completed and verified.
Do you work with first‑time investors? Yes. Whether it’s your first flip or your fiftieth, we provide flexible options.
What types of properties qualify for fix and flip loans? Single‑family homes, townhomes, and 1–4-unit residential properties.
What is the typical interest rate for fix and flip loans? Rates vary by project and borrower profile but are higher than traditional mortgages due to short‑term nature.
How much can I borrow with a fix and flip loan? Loan amounts are based on purchase price, rehab budget, and after‑repair value (ARV).
Do fix and flip loans require tax returns? No. These loans are deal‑driven and do not require personal income documentation.

      EXCELLENT  
   Based on 35 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   John F 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ken has always been there every step of the way to get my loan closed. No matter what time of the day I called, he was there. I would definitely recommend him, especially if other lenders have already said no. He’ll get it done!
  
 
      Posted on Google  
   
   Mike Stallings 
 
 
 
 Trustindex verifies that the original source of the review is Google. Stellar communication. Unbelievably quick and easy process.
  
 
      Posted on Google  
   
   David Ali 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ken is a valuable partner in business no nonsense type whom some would call abrasive but I appreciate because he has always been straight forward rates may be a bit higher but he can close. He is my go to lender whenever I need to close a deal.
  
 
      Posted on Google  
   
   Amadou Diallo 
 
 
 
 Trustindex verifies that the original source of the review is Google. The best hard money man in the universe! Fast, prompt, efficient, organized! Will get the deal done if it makes sense!
  
 
      Posted on Google  
   
   Frankies Beverage 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ken always goes above and beyond to help out lenders    Will continue to work with him
  
 
      Posted on Google  
   
   Jermaine Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great company, straight forward and fast results!
  
 
      Posted on Google  
   
   Javier Maldonado Cortes 
 
 
 
 Trustindex verifies that the original source of the review is Google. Ken from Hard Money Man provided me with the first bridge loan for my first fix and hold property and the entire process of was and continues to be seem less. We have become friends & will continue doing  business .
  
 
      Posted on Google  
   
   Maverick Pate 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best New Construction lender
  
 
      Posted on Google  
   
   Derwin Lindsey 
 
 
 
 Trustindex verifies that the original source of the review is Google. Looking for hassle free funding your in the right place. Very dependable with excellent communication.
  
 
      Posted on Google  
   
   michael campbell 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always gets deals done answers phone quick response , straight to it excellent for flippers