4 Eye-Opening Ways to Get Your ARV Loan Approved Today!


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1.) Find The Right Project!

Because Hard Money loans are collateralized by the subject property itself, it’s very important that you choose a project that matches with your experience and financial capabilities.
Lenders will considered the property and also the location. They use the info to determine the value, both current and future.

2.) Have A Great Exit Strategy

Since hard money loans are short term solutions, (6-24 mos) they require that the borrower have a good exit: possibly rehabbing the property and re-selling it on the market for a profit to repay the loan, or plan to refinance the loan the pay it off..

If you can’t present a solid exit, don’t bother applying for a loan. You’re wasting the lenders time, and your own.

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3.) Have Your Documents Ready

Credit report– It’s better to know your credit profile ahead of time, know that judgements, liens, unpaid recent mortgage lates or late bills that are recent are red flags.

LLCs or Corps- Have the complete Corp docs available for review.

Rehab bid – Contact a reputable contractor, ask someone for a referral. Then have them prepare a bid in writing. I’d try to have two or three in a perfect world. This has to make sense, it has to be realistic in terms of amount of rehab needed to achieve equity..
For example, if you are attempting to flip a multi-million dollar property, but your bid is for $45k…and you are projecting making $800k+ in equity…This raises eyebrows!

On a experiment, one time I had a potential flip under contract and was getting my rehab bids, I had 3 very different bids from 3 very different contractors!

That will happen, just submit all 3 bids to your lender.wpid-ergy_architect.jpg

Appraisal – This may not be popular, however paying for a good ARV appraisal ahead of time, may save you weeks of waiting only to be disappointed that the value won’t be there. If you prefer not to do this, you can play your luck with a CMA from your trusted real estate agent.

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Biography/History of Flips – Trust Deed Investors are regular people like you and I. They need tho “know” their borrowers as best as possible before deciding to loan thousands of their hard earned money into an unknown person or entity. Sure they get a deed of trust, but don’t mistake, they don’t want to spend all day foreclosing on people..They make money passively, so if you want their money, get ready to complete for it! Prepare a bio that highlights your history of Flips, including acquisition cost, rehab and final selling price… This is where you shine! ( or maybe you realize that you are not a good candidate for a loan)
Maybe you should find a partner with a better track record to team with one the first few deals.

Asset Documentation – Lenders will want to see IRAs, Recent Personal and/or Business Bank Statements.. (please don’t have negative in your account, this will not work in your favor) Recent valid ID with SS card or 1099 with your SS on it.

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RPA/ Purchase Contract – There is no point coming to lender for a pre-approval. Without a live deal, defined as: with a contract being negotiated or signed and executed. Hard Money lenders issue approvals based on the asset and qualifications of the borrowers. Without a deal, they can’t do anything. Make sure that you indicate that you will be using private funding or hard money. Don’t say cash, you’ll have to get an addendum to change that later, and can be a pain.

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4.) Perform on Your End

If you are trying to get a lender to take you seriously, you have to be interested and proactive. They prefer for you to be quick about providing info when asked and supplying documentation as requested. And after the lender has collected a complete package, he will offer you loan terms, they expect you to take them! Shopping loans will get you a bad reputation quick, no one wants to be shopped! The lender circle is small, if you burn your name and reputation, even I can’t help you… It’s a sad thing when you meet a client who is in this position…maybe start doing business in a new market or country…

After you have collected this package, now you’re ready to get an ARV Fix and Flip loan!

Since you are prepared I’m waiting for your call or email!

Greg@fixandflippers.com | 858.386.0949

Seeking Professional Flippers for ARV Loans


House: before and after

As a professional in the real estate rehab/resale industry, we suffer from similar issues. Mostly having to do with time & money!

One of the best problems to have is finding too many deals but not enough capital, but still a problem.

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We know  you are feeding your family on this income and this is your livelihood, so stability is important!

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Let me help you find the capital partner (s) of your dreams who would be dependable and reliable when you need the funds.

Most private lenders I know use ARV or after-repair-value as their basis for making their loans, these are the largest loans that offer the most leverage.

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  • Programs include 80% of purchase, 80% of the rehab (which is held in control) payments can be included in your loan no JV split.

  • Or 100% Financing (70%) of ARV, covers your acquisition, rehab, closing costs, carry costs, in exchange for a JV profit split of 50/50

  • Or 100% Financing (70%) of ARV, covers your acquisition, you cover rehab (held in control) and closing costs (inc 3-4 pts) no JV profit split .

  • These lenders will make loans in AZ, CA,OR,WA,NV and other states if the deals make sense.

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These lenders will offer JV loans on Commercial & Residential properties (Office, Multi-Family, Retail, Strip Malls) or 5+ SFR portfolios (refi at lower rates)

This lender will also make business loans (with or without real estate attached) she just wants to see your Executive summary.

Direct-to-Owner’s of Rented Bulk SFR’s & Multi-Family Portfolios Nationwide


Commericial Assets

Direct to Owner of these Assets:

  • 93 SFR’s Elkhart, Indiana -great market- elderly selling portfolio – $4M
  • 11 SFR’s in Decatur, GA- can be cherry-picked! Great to sell as they become vacant! $949k
  • 200 units apts -Holland, Ohio – $15M
  • 228 units apts. Jacksonville, FL
  • 50 SFR’s in South Carolina – can cherry pick, elderly selling portfolio
  • 50 SFR’s in Dallas TX – some homes were built in 2013, can cherry pick in large groups of 10+
  • 26 SFR’s – Yuba City, CA- can cherry pick, homes are about $250k each, $6.2M
  • 19 SFR’s Indianapolis, Indiana – $540K bulk sale
  • 533 Units Apts.- Atlanta, GA -owner financing available! -bulk sale
  • 7 SFR’s in Fort Pierce, FL
  • 3,000 units apts. in Jax, Pensacola, Atlanta-Both Stabilized & Value-Added Opportunities!
  • 61 units apts. Houston, TX- owner financing available! – can cherry pick, 3 properties! from $675K

I am told at the end of June, one of my sellers will be liquidating Multi-Family in Texas, Louisiana, Colorado & Oklahoma

If you are buying in a certain market, leave your info below with your criteria and desired market.

Serious Principals/Facilitators

Contact me

858-386-0949