Hard Money Loans for House Flips

Fast Capital for Fast-Moving Deals

Flipping houses is one of the most dynamic ways to build wealth in real estate—but speed is everything. Whether you’re buying a distressed property in Newark, rehabbing a duplex in Tampa, or tackling a cosmetic flip in Denver, you need funding that moves as fast as you do.

At HardMoneyMan.com LLC, we specialize in hard money loans for house flips—designed to help investors close quickly, renovate efficiently, and exit profitably.

 What Is a Hard Money Loan for Flipping?

A hard money loan is a short-term, asset-based loan used to purchase and renovate investment properties. Unlike traditional bank loans, hard money loans are:

  • Based on the property’s value and potential (ARV)
  • Approved in days—not weeks
  • Flexible on credit and income documentation
  • Designed for speed, simplicity, and investor control

These loans are ideal for:

  • First-time flippers
  • Experienced rehabbers
  • Wholesalers who want to close and resell
  • Investors using the BRRRR method
Infographic showing the flow of a hard money loan for house flipping—from purchase to rehab to resale. Includes funding percentages, draw schedule, and exit strategy.

Our Fix & Flip Loan Program

Loan Amounts: $75K to $3M LTV: Up to 90% purchase, 100% rehab Term: 6–12 months Payments: Interest-only Draws: Same-day via Snap App Credit: 640+ preferred, but flexible Income Docs: Not required

We fund:

  • Single-family homes
  • Duplexes, triplexes, quads
  • Condos and townhomes
  • Non-owner occupied only

What Lenders Actually Care About

Forget tax returns and W-2s. What matters is:

  • Property value and ARV
  • Rehab scope and budget
  • Your exit strategy
  • Your ability to execute
  • Your experience 
Infographic showing the timeline of a house flip funded by hard money—from offer acceptance to rehab completion and resale.

First-Time Flippers Welcome

You don’t need a portfolio of past flips to get approved. We fund first-time investors every day—because we know that strong deals matter more than experience.

What You’ll Need:

  • Purchase contract
  • Scope of work
  • ARV comps
  • ID and contact info
  • LLC docs (optional)

No tax returns. No income verification. Just a solid deal and a plan.

 Case Study: Flip in Fort Worth, TX

  • Purchase Price: $180K
  • Rehab Budget: $45K
  • ARV: $325K
  • Loan: 90% purchase, 100% rehab
  • Timeline: Closed in 9 days
  • Exit: Sold in 4 months for $335K

 Testimonials from Flip Investors

“HardMoneyMan.com funded my first flip in under 10 days. No income docs, no delays.” — Marcus T., Atlanta

“They helped me close fast and draw fast. I’ve done 3 flips with them now.” — Jenna R., Phoenix

“I was nervous as a first-time flipper, but they walked me through everything.” — Luis G., Orlando

 How to Apply

  1. Submit your deal scenario
  2. Get a quote within 24 hours
  3. Finalize appraisal and underwriting
  4. Close in 7–14 days
  5. Rehab draws available same day via Snap App

 

  •  Fix & Flip Loan Program

  • Looking for fast funding to renovate and resell? Our Fix & Flip Loan Program is built for speed, simplicity, and investor control. Get up to 90% of your purchase price and 100% of rehab costs—with same-day draws and no income docs.

  •  Loan Types Overview

  • Not sure which loan fits your deal? Explore our full Loan Types Overview to compare programs for flips, rentals, new construction, commercial properties, and more. Whether you’re scaling or starting out, we’ve got a solution.

  •  Asset-Based Loans

  • Have equity but challenged credit? Our Asset-Based Hard Money Loans are designed for investors with free-and-clear properties or unconventional financials. No income verification. No seasoning. Just leverage your asset and go.

  •  Commercial Loans

  • Funding for multifamily, mixed-use, retail, and office properties. Our Commercial Hard Money Loans offer flexible terms and fast closings for investors who need capital—not bureaucracy. This is not a rehab program—it’s built for acquisition and bridge scenarios.

  •  Multifamily Loan Program

  • Looking to scale beyond single-family? Our 5+ Unit Multifamily Loan Program helps investors acquire, reposition, or refinance small apartment buildings with speed and simplicity. Ideal for BRRRR strategies and value-add deals. Not for rehabs. 

Hard Money Loan for House Flip’s FAQ’s

A hard money loan for house flipping is a short-term hard money loan used to purchase and renovate investment properties. Approval is based on the property's value, borrower flip experience and mid credit score—not your personal income, bank statements or tax returns.
Most hard money loans for flips close within 7 to 14 days. Some deals can close in as little as 5 days if the appraisal and title work are ready.
Credit scores are considered but flexible. In order to get a hard money loan for flipping a house you would expect your lender to run your credit report.
Yes. First-time investors can qualify as long as the deal makes sense. Strong ARV comps, a clear rehab plan, and a realistic exit strategy and good credit are key.
Most fix and flip loans require 10–20% down on the purchase price depending on your experience. Rehab costs are typically funded 100% through draw schedules.
You’ll need a purchase contract, rehab budget, ARV comps, ID, and basic contact info. No tax returns or income verification are required.
Yes. Hard money loans often include 100% of rehab costs, released in draws as work is completed. Same-day draws are available with some lenders.
From offer to resale, most flip loans run 6 to 10 months. Rehab typically takes 6 to 10 weeks, followed by listing, selling, and loan repayment.
Yes. Many investors refinance into long-term rental loans after the flip, especially if using the BRRRR strategy. DSCR loans are a common exit.

Ken V. is the founder and lead marketer of HardMoneyMan.com LLC, a direct hard money lender serving real estate investors nationwide since 1998. With deep expertise in SEO, content strategy, and conversion optimization, Ken blends technical precision with investor-first insights to help flippers, landlords, and builders secure fast, flexible funding. He’s personally overseen thousands of deals and is passionate about making real estate financing transparent, accessible, and results driven.