Investor Loans

Investment Loans: Financing for Fix-and-Flip Projects and Hard Money Loans

Are you an investor looking to finance a real estate project like a fix-and-flip or a property for short-term rental income? Investment loans, such as fix-and-flip loans and hard money loans, offer tailored solutions for real estate investors who need fast, flexible financing.

What are Fix-and-Flip and Hard Money Loans?

Fix-and-Flip Loans: Short-term loans designed for purchasing and renovating properties with the intent to sell quickly for a profit.Hard Money Loans: Asset-based loans secured by the property itself, offering quick access to funds for short-term investments.

These loans are ideal for investors who need speed and flexibility, often bypassing the lengthy approval process of traditional mortgages.

Why Choose an Investment Loan?

Quick Funding: Close faster than with traditional loans, enabling you to act on investment opportunities promptly.

Flexible Terms: Short loan terms ranging from 6-24 months, tailored to your project timeline.

No Strict Income Requirements: Qualification focuses on the property’s value and potential, not your personal income.

High Loan-to-Value (LTV) Ratios: Borrow up to 90% of the purchase price and 100% of rehab costs for fix-and-flip loans.

Potential for High Returns: Finance projects with significant profit potential, from property flips to short-term rentals.

Who Qualifies for Fix-and-Flip or Hard Money Loans?

These loans are designed for real estate investors with varying levels of experience. Requirements typically include:

Property Value and Equity: The property itself serves as collateral, so lenders focus on its current and after-repair value (ARV).

Down Payment: Often 10%-20% of the purchase price, depending on the loan terms.

Experience (Optional): Seasoned investors may receive more favorable terms, but first-timers can also qualify.

Credit Score: Credit requirements are more lenient than traditional loans, though a higher score can secure better rates.

Exit Strategy: A clear plan to repay the loan, such as selling the property or refinancing.

How Investment Loans Work

Fix-and-Flip Loans:

Borrow funds for both purchasing and renovating the property.

Loan amounts are based on the after-repair value (ARV) of the home.Repay the loan upon selling the renovated property.

Hard Money Loans:

Ideal for projects that require immediate funding or unconventional properties.Focused on the collateral rather than your financial profile.Repay the loan through property sale, refinancing, or rental income.

The Application Process

We make securing an investment loan straightforward and fast:

Evaluate Your Project: Discuss your investment goals, timeline, and funding needs with our team.

Pre-qualify: Understand how much you can borrow based on the property and renovation costs.

Submit Your Application: Provide details about the property, your plan, and your exit strategy.

Close Quickly: Access funds in days or weeks, enabling you to start your project immediately.

Are Investment Loans Right for You?

If you’re an investor looking for quick, flexible funding for a property purchase or renovation, fix-and-flip and hard money loans are excellent options. They’re perfect for short-term projects where speed and simplicity are key.

Get Started Today!

Ready to take your real estate investments to the next level?

Contact us now to learn more about fix-and-flip and hard money loans, speak with an investment loan expert, and start your application. With our fast funding and tailored solutions, you’ll be on your way to your next successful project.

Don’t wait—apply today and make your investment goals a reality!