Fix & Flip Loans for Real Estate Investors
Fix and flip loans are short-term real estate financing options used to purchase and renovate distressed properties for resale.
HardMoneyMan.com is a direct lender providing nationwide funding with flexible underwriting based on property value, experience, and exit strategy—not tax returns.
High Leverage
Up to 90% Purchase
100% Rehab Financing Available
Fast Closings
7–10 Days
Direct Nationwide Funding
Flexible Credit
620+ Credit Friendly
First-Time Flippers Considered
How to Get a Fix & Flip Loan
Submit Your Deal
Send property address and rehab budget. No tax returns required.
Receive Terms
Get pricing and proof of funds within 2 hours of submission.
Close & Fund
Close in 7–10 days and access rehab funds through draw requests.
Fix & Flip Loan Terms
| Loan Term | Details |
|---|---|
| Loan-to-Cost (LTC) | Up to 90% purchase + 100% rehab |
| Loan-to-Value (ARV) | Up to 75% after-repair value |
| Credit Requirements | 620+ minimum (experience can offset) |
| Interest Rates | 9%–12% depending on experience |
| Loan Duration | 12–24 months (interest-only) |
Nationwide Fix & Flip Lending
We provide direct fix & flip funding across major investor markets including Florida, Texas, New Jersey, New York, Pennsylvania, Georgia, North Carolina, and Ohio.
Our lending is based on property value, renovation scope, and exit strategy—not personal income or tax returns.
70% Rule Fix & Flip Calculator
The 70% rule in real estate investing states that an investor should not pay more than 70% of a property’s After-Repair Value (ARV), minus renovation costs.
This formula is used to calculate the Maximum Allowable Offer (MAO) on fix and flip deals.
This calculator is used by real estate investors to evaluate acquisition pricing before funding a deal.
As a direct lender, we provide fix & flip financing up to 90% of purchase price plus rehab costs based on deal strength.
First Time Fix & Flip Loans for New Investors
A first time fix and flip loan is designed for investors completing their first renovation project.
We also provide financing for borrowers seeking a no experience fix and flip loan or exploring
hard money loans for beginners, with approvals based on property value, renovation scope, and exit strategy—not prior experience.
Credit Requirement: 680+ recommended for first-time investors
High Leverage: Up to 85–90% purchase financing available
Rehab Funding: Up to 100% of renovation costs via draw schedule
Closing Speed: 7–10 business days for first-time deals
Not sure if your first deal qualifies?
Fix & Flip Loan Case Studies
Real funded deals showing how investors use fix and flip loans, including first-time investors and borrowers with no prior experience.
These case studies demonstrate how we approve hard money loans for beginners based on deal strength, not experience.
Branchburg, NJ
Experienced investor executed a high-equity fix and flip project with strong resale margins.
- Purchase: $225,000
- Rehab: $227,500
- ARV: $700,000
- Loan: $403,000
Dix Hills, NY
High leverage fix and flip funded using strong ARV and exit strategy.
- Purchase: $825,000
- Rehab: $96,000
- ARV: $1,157,000
- Loan: $756,000
Putnam County, NY
First-time investor with no prior experience secured funding based on deal strength alone.
- Purchase: $175,000
- Rehab: $83,900
- ARV: $390,000
- Loan: $232,650
Since 1998, we have funded over 27,000 fix and flip loans across 40+ states, including first-time investors and borrowers with no prior experience.
What Investors Are Saying
Fix and Flip Loans: Frequently Asked Questions
What are fix and flip loans?
Fix and flip loans are short-term loans used to purchase and renovate investment properties for resale.
These loans are commonly used by both experienced investors and those seeking a first-time fix and flip loan.
Can I get fix and flip loans with no experience?
Yes. Many borrowers qualify for fix and flip loans even without prior experience.
These are often referred to as no experience fix and flip loans and are approved based on mid credit, property value, renovation scope, and exit strategy rather than investing history.
Are fix and flip loans available for beginners?
Yes. Hard money loans for beginners fall under the fix and flip loan category.
First-time investors are evaluated primarily on deal strength and mid credit rather than income or prior experience.
How fast can fix and flip loans close?
Most fix and flip loans close in 7–10 business days, with term sheets issued within hours after initial deal review.
Ready to Fund Your Next Fix & Flip?
Close in 7–8 days with credit-driven financing.