Hard Money and Private Funds Available for Investors


Hard Money & Private Funds Available for Investors
Loans from $75,000
Not many lenders arrange loans as small as $50,000. We will!
Fix and Flip
We lend up to 90% of the purchase price and 100% of the renovation budget. In addition, we don’t charge interest payments on the rehab dollars until it is drawn.
Competitive rates and fees 
You came to the right place if you are looking for a private or institutional hard money!
Bail Out Loans
An equity-based program. If we can keep it under 65% LTV, we can bail
you out in 7-10 days. (Only CA and TX)
Commercial, Land, Agricultural and Specialty Properties
Commercial, apartments, land, Wearhouse, partially completed construction projects, industrial, automotive and many other types of properties are those we lend on.
2nd and 3rd Mortgages
We arrange second and third mortgages every month.  (Only CA, TX)
Construction Completion/Development Project
Got construction project? We have multiple ways to structure your file, so you can complete your project and get it sold!
Business/Merchant Funding
Do you need working capital/payroll/expansion for your business? We
can fund in 5-7 days. To qualify, all we require is the business to be
established for at least 6 months and provide 6 months business and
credit card-merchant processing statements. 
                                                                     
Long Term Rental Loan Programs                                                                      We offer 5,7,10 and 30-year fixed term, starting at 5.875% rate and can
leverage up to 85% LTV

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El Monte Wholesale Flip


Vacant, Short-Sale, Fixer

  • Main House is 3/3 – Garage was converted into a 1/1 with a Kitchenette (May not legal, although it is very nice)
  • There is a separate 1/1 attached to the main house (This one is not legal)
  • Total SF is 1,580 plus the Garage 

– EMD is $10,000- Closing date is FIRM for June 10 

– Purchase Price is $475,000

 – Repairs $35,000-$40,000

ARV $615,000-$625,000

Contact me ASAP with Proof of Funds if serious. Principals only please.

Direct Contact: Ph. 858-386-0949 Greg@FixandFlippers.com

Nationwide Private Bridge Loans Available


  • Quick Close options 1-2 weeks possible.
  • Funds for Improvements – Cashout for Investments OK!
  • Business Purpose use for Funds OK.
  • Bank Turndowns are OK
  • Bankruptcy is OK
  • No Docs
  • 12-24 months No-Prepay
  • Owner Occupied is OK – up to 5 yrs Fixed
  • Long-term hold loans for good credit & low rates (4%-7%)
  • Luxury Loans to $15,000,000
  • Interest reserves & Closing costs can be included in the loan if you have the equity for Fix and Flip only.
  • Refinance and Purchase loans Available
  • No Credit, No Doc, No Verified income for Foreign Nationals, living abroad is OK
  • No Tax Returns, Non-Warrantable Condo’s are OK
  • 30 yr fixed options are available
  • Stated Loans Available
  • No Source / Seasoning needed for loan approval
  • Cross Collateral structure funding with existing properties in portfolio
  • Current Renovation in Progress is OK.
  • Construction to Permanent is OK
  • Multi-Family, Commercial loans OK
  • Nationwide Lending, Case-by-Case Decisions based on complete scenario!

Leave Your Loan Request Inquiry Below Today!

Non-QM Niche Loan Programs


Owner-Occupied Non-QM

  • Up to 95% LTV
  • 1 month Bank Statement Program
  • 12 or 24 month Bank Statement Program
  • VOE Only Program
  • 1099 Only Program
  • P&L Only Program
  • Asset Depletion Program
  • Credit Scores Down to 500
  • Foreclosure Bailout

Non-Owner-Occupied Non-QM

  • No Income Verification up to 80%
  • No Income Verification for cash out up to 75%
  • NO DSCR Required
  • Ficos down to 600
  • 5+ Unit Apartment Bldgs.
  • Mixed Use Properties
  • Loans held in LLC and Corps.

Inquire Below Today!

Spring Loan Programs for Investors


Nationwide Fix and Flip Funding Programs:

NO CREDIT REPORT

NO BACKGROUND CHECK/UPPER COURT SEARCH

NO APPRAISAL

CLOSE IN 5 DAYS

ONLY PAY INTEREST ON OUTSTANDING BALANCE


LOWER RATES and MAXIMUM LEVERAGE to NEWBIES

Lender will fund up to 90% of purchase and 100% of rehab with no previous experience up to 75% ARV.

Below are the parameters for the financing program:
90% of Purchase
100% of Rehab
9-12% Interest
1-3 Points
12 month term
No PPP
Up to 75% ARV and 75% AIV
Min loan of $75,000 / Max loan of $5,000,000
Entity Borrowers Only
525 min Credit Score
NO HARD Credit Pull
NO Experience Required
Option for interest being charged only on funded balance
Option for NO PERSONAL GUARANTEE

East Coast Hard Money Loans

We fund 100% of construction and acquisition up to 65% of the ARV.  We can approve the same day and close in 24hrs. Normally we are about 1.167% per month for a 12 month note.  The money is 6 points at the table.  cash out refi investors and buy/hold/refi

Maryland, Philadelphia, PA, New Jersey, Virginia, Delaware, Washington, DC

Leave Your Loan Scenario Below

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