Hard Money Lending Nationwide for Real Estate Investors

Rehab
Loans.

Fix-and-flip financing for 1–4 unit investment properties. Asset-based underwriting means we look at the deal — not just your credit score. Interest-only payments, draw schedule tied to renovation milestones, no prepayment penalty.

Request a Term Sheet → How It Works
Modern farmhouse kitchen with white quartz island, pendant lights, and shiplap walls — finished rehab
$75K–$2M Loan Amounts 9.9%–11.9% Rates Up to 90% LTC 6–12 Month Terms No Prepayment Penalty
Program Terms

Real Numbers.
No Guessing.

Fix-and-flip loans for investors who need fast capital, flexible terms, and a lender who understands renovation projects.

Property Eligibility
1–4 unit residential investment properties. Non-owner-occupied only.
Interest only · No prepayment penalty · LLC-friendly
Loan Amounts
$75K–$2M
Min $75,000
Interest Rate
9.9–11.9%
Starting rate
Points (Origination)
1.5–3%
Of loan amount
Loan Term
6–12mo
Extensions available
Max LTC
90%
Of total project cost
Max LTV
75%
Loan-to-value
Min Credit Score
660
FICO required
Geography
Nationwide
All states except SD and ND
How It Works

Apply to Funded
in 6 Steps.

Our streamlined process gets you from application to closing fast — so you can focus on the deal, not the paperwork.

01
Apply
Fill out our basic application or request a term sheet. Our processing team will begin reviewing it and reach out to you shortly.
02
Process
Once reviewed and deemed a good fit, we'll ask for some additional information to begin underwriting your loan.
03
Underwrite
We confirm the most important deal information and review your scope of work to make sure our estimates align with yours.
04
Fund
Tell us your closing date and we'll have our document package ready to sign. Loan funded and you're in the property.
05
Service (Draws)
Monthly interest-only payments. Rehab draws are released as you complete different stages of the renovation — keeping capital flowing to your project.
06
Repay
When you sell or refinance, we issue a payoff to your title company and complete your loan. No prepayment penalty — exit whenever you're ready.
FAQ

Rehab Loan
Questions Answered.

Our rehab loans are for 1–4 unit residential investment properties that are non-owner-occupied. This includes single-family homes, duplexes, triplexes, and quadplexes being acquired and renovated for resale or rental. We do not lend on owner-occupied primary residences.
We lend nationwide except for South Dakota (SD) and North Dakota (ND). This includes all major markets in the Southeast — Tennessee, Alabama, Georgia, Florida, North Carolina, South Carolina — and across the country.
We can finance both the acquisition and the renovation through a single loan structure. Rehab funds are held in reserve and released in draws as you complete different stages of the renovation. This means you're not carrying the full cost upfront — capital is released as work is completed and verified.
Yes — we require a minimum 660 FICO score for our rehab loan program. That said, we are primarily asset-based — the deal and the property are the most important factors. Call us to discuss your situation.
Yes. We regularly work with LLCs, corporations, and other entities. Closing in an entity is smart for asset protection and we have no issues with it. A personal guarantee from the principal member is typically required.
Extensions are available. Rehab projects run long — we understand that. Reach out to us before your maturity date if you need more time and we'll discuss options. The key is communicating early rather than waiting until the last minute.
No. There is absolutely no prepayment penalty on our rehab loans. If you sell or refinance ahead of schedule, you pay off the loan and you're done — no fees for early exit.
Apply

Ready to Close
Your Next Deal?

Request a term sheet and our team will review your deal and reach out shortly. No lengthy pre-qualification — just a straight answer.

Prefer to Talk First?
Call 615-979-6260 and walk us through your deal. We'll tell you quickly whether it's a fit.
New Construction → DSCR Loans →
✓
Deal Submitted
We'll review and reach out shortly. Call 615-979-6260 for urgent requests.
Request a Term Sheet
Rehab loan inquiry

Ready to fund your next rehab?
615-979-6260 Request Terms →