Fix & Flip Financing Solutions

 

​Option 1: Nationwide Investor Value-Add Loan​

 

Best for investors looking for competitive interest rates and high leverage.

Our premier nationwide balance-sheet product gives you the buying power and renovation capital you need to scale your business.

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Product Highlights​

• High Leverage: Up to 92.5% LTC (Loan-to-Cost). Borrowers typically only come in with 10-15% down.

• 100% Rehab Funding: We fund 100% of your renovation costs.

• Flexible Repair Structuring: Choose Value-Add with Holdback (we fund the entirety of the repairs via a holdback) or Value-Add without Holdback (you fund repairs using your own capital).

• Competitive Rates: Ranging from 8.5% – 10.5%.

• Low Fees: Typically a 1-2% origination fee.

• Short-Term Terms: 6, 12, or 18-month options available.

• Payment Structure: Interest-only (IO) payments.

• No Prepayment Penalties: Pay off the loan as soon as your project is complete without fees.

• Fast Closings: Close your deal in as little as 10 days.

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Requirements

• Property Types: 1-10 unit residential properties.

• Minimum Credit Score: 680.

• Appraisal: Required.

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Option 2: In-House Equity-Based Hard Money Loans

 

Best for unique projects, fast capital, or situations where credit and income requirements are a barrier.

If you don’t meet the credit criteria for our nationwide product or have a non-traditional property, we fund these loans directly out of our in-house debt fund and service them in-house.

 

There are no credit or income requirements. As long as you have a decent property and a clear exit strategy, we can design a deal that works for everyone.

 

Hard Money 1st Mortgages

• Leverage: 65-70% LTV (Loan-to-Value)

• Rates: 9.00% – 10.99% (Interest-Only)

• Terms: 1 to 5 years

• Origination: 1.5 – 2.5 points

• Prepayment Penalty: None

 

Hard Money 2nd Mortgages

• Leverage: Up to 65% LTV max

• Rates: 11.50% – 12.99% (Interest-Only)

• Terms: 1 to 3 years

• Origination: 2 – 3 points

• Prepayment Penalty: None

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Property & Occupancy Guidelines: Our hard money side lends across all property types. We only lend on owner-occupied properties if the loan proceeds are strictly used for business or investment purposes (e.g., the borrower is self-employed or owns more than one real estate property).

 

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