Fix and Flip Loans For Real Estate Investors – What are they and why we should be your #1 option

Fund your next fix and flip with us!


We have funded over 15,000 fix and flip loans!

American Association of private lenders member

Fix and Flip Lenders, Loans – LLC

If you are a real estate investor looking for Fix and Flip Loans look no further. LLC is the leading Hard Money Fix and Flip Lender funding over 5,000 rehab loans/fix n flip loans in the last 7 years and want to fund your next deal. With our commonsense underwriting and quick closings, you will never look for another lender again after closing your 1st deal with us!!

These loans are made for houses that are in disrepair and are in need of fix up to bring the house to market for resale at a profit. Also commonly known as a renovation loan or loans for fix and flip, these are made to real estate investors, not to homeowners.

70% Rule for flips

We suggest using this formula when seeing if your deal qualifies as a deal –

ARV x 70% less your rehab budget = your max offer/purchase price

Fix and Flip Loans for beginners are not an issue for us like they are with other lenders. We will lend to first time flippers!!

Fix and Flip Loan Requirements

Available in 45 States and Washington DC

  • Rates starting from 11%
  • Funding up to 85% of Purchase Price
  • Funding 100% of the Rehab Costs
  • Maximum loan is 75% of the ARV (completed value)
  • 620+ Mid Credit Score Required
  • Loan Amounts $50K – $5MM on 1-4 unit residential, Condos and Townhomes
  • No Prepayment penalty
  • Direct Lender
  • Fast Closings
  • Brokers always protected
  • Rural Properties OK at 60-65% of Purchase Price and 100% Repair Cost
  • Lots over 2 acres OK as well (nothing over 10 acres)

For the investor who wants to purchase and renovate an investment property in order to sell it or refinance into a longer-term loan

Fix and Flip Loans


Minimum Credit Score 

Interest Rate


Advance on Purchase 

Advance on Rehab


Property Types

Pre-Pay Penalty


Blanket Loans

Loan Amounts

Loan Term 

Closing Time




2% or $2500 whichever is greater 

Up to 85% 


Up to 70%

1-4 unit residential, condos, townhouses




50k - 5MM

12 Months

7-14 days

Hassle Free Hard Money Fix and Flip Loans LLC’s fix and flip program offers up to 85% of the purchase price and 100% of the renovation costs, not to exceed 70% of the after-repair value. We’re successful because we want our investor partners to be successful. Our goal is to help you make money on your next rehab project.

We have all loan programs for investors ranging from fix & flip loans, ground up spec home funding, 1-2-year refinance take out loans and 30 year landlord loans (5/1 arm, 7/1 arm, 10/1 arm, 30 year fixed). We have been lending to investors since 1998 and provide a quick closing solution to investors across the country.

Why Choose Fix and Flip Lending For Your Next Project?

Fix and Flip Lending is a vital tool for real estate investors. It is a loan made by a hard money lender for the investor to buy, fix and sell a house. More recently, many investors have been rehabbing houses and then renting them out to hold as a long term rental.

Banks just do not understand that you can buy a property, put some money into it, and it could be worth a considerable amount more once you do this.

Yes, I know banks have their 203k program, but closings on those are mostly limited to homeowners (this is not an investor product) and typically these are not quick easy closings like hard money loans are.

Not sure which markets you should be looking at (if you fix and flip outside your home market), then this article “where to invest as a fix and flipper in 2022” is a great read for you.


Fix and Flip Loan FAQ’s

Yes!! We do lend to new investors/1st time rehabbers. We specialize in walking new investors through their first project, making sure their budgets are suffice to complete their deal, and also we make sure, if they had to hold the property for a year, that they will still turn at least a 15k profit.
A fix and flip loan is designed for real estate investors that are buying a house that is in need of work to make it livable. Loans for Fix and Flip are loans made to real estate investors that are in the business of buying, rehabbing and then reselling properties at a profit. Many times, these rehab loans are made on properties that have fallen into disrepair from the previous homeowner, or that have had fire or flood damage, or are just in desperate need of updating. Typically, these are short term (12 month) loans for investors that fund not only a percentage of the purchase price, but also up to 100% of the funds needed to rehab the property and bring it to market. The purchase price plus the rehab cost should not exceed 70% of the completed value to ensure there is enough room in the deal for you to make a profit when flipping the home.
House flippers rely on fix and flip hard money loans to ensure that they can close quickly on a house they are buying that is in need of repair.
Bridge loans are typically short term 1 year loans made on properties that are between the completed (after it has been rehabbed) stage of a property or a sale of that property or for a property where the borrower is waiting to refinance to a long term 30 year loan. A fix and flip loan is one where the property is still in disrepair or need of updating, and your lender provides a loan based on what the home will be worth when the work is completed.
We can close a fix and flip in as fast as 7-10 days.
We do require a full appraisal, including interior access. If this is an auction property and there is no access we do have the ability to fund with just a drive-by appraisal, provided the borrower can provide us with interior pictures.
This is a great question. Usually we look for the borrower to make at least $15,000 after all is said and done (this includes all expenses leading up to and selling the home, such as 1. purchase price 2. rehab budget 3. closing costs 4. monthly interest payments 5. realtor commission to sell when the property is completed 6. transfer taxes 7. property taxes and insurance
For our Fix and Flip funding we will not ask you to verify your income, this is not a bank loan.
We require an REO Schedule spreadsheet to be filled out with your submission detailing previous flips as well as rentals you currently own. In some cases a purchase and/or sale HUD could be required.
Being one of the oldest hard money lenders in the country we have vast experience in the market ups and downs, our low rates, second to none customer service, common sense underwriting and fast closings. Just because we are the oldest hard money lender doesn’t make us the best, but being the best kept us around long enough to be the oldest.

Same Day Decisions. 7 Day Closings on your fix and flip.

Get Your Pre-Approval

Step 1 of 3

Please answer a few questions to see if your loan scenario is eligible for one of our hard money loan programs, or our landlord 30 year program.
Do you live at the property?(Required)