Residential Rehab Loans

So, you’ve decided you want to rehab and flip a property. Well done!

We’re very happy to help you every step of the way to ensure your investment success. One of the ways we ensure success is by having selective criteria with each of our residential rehab loans. We want you to make a great profit of your deal, so to do that we have a list of standards regarding which types of homes we lend on to eliminate risk factors and decrease the chance of you being stuck rehabbing a terrible property that won’t turn a profit.

baltimore maryland real estate fix and flip loan

Loans by State

Because of excellent market conditions and favorable laws, getting an REI hard money loan in the below states is most advantageous for both the real estate investor and the borrower:

Criteria Points for Residential Rehab Loans:

Investor Testimonials

Lee Staehly – Net Profit $40,000
Jesse Jaynes – Net Profit $50,000
Peter Kuld – Net Profit $14,000

Loan Terms

100% Financing
YES

If your deal is good enough we will cover 100% of the purchase price, rehab, and closing costs, points & interest.

LTV Basis
ARV

Our max loan amount is based on the after repair value, not the current value or purchase price. If the numbers line up, we will fund it.

Maximum LTV
70%

We lend up to 70% of the ARV. We will fund everything but earnest money as long as it fits within 70% of the ARV.

Max Loan Amount
$250K

Our max loan amount is $250,000. For the markets we currently lend in, we’ve found this to be the sweet spot for real estate investing.

Minimum ARV
$70K

Our minimum ARV to lend on a property is $70,000. If it’s less than that there is just not enough profit to make it worth the effort for either party.

Multiple Deals
YES

Yes. We allow you to do 3 deals at a time, enabling you to stay busy and rake in even more profit at a faster pace.

Interest Rate
1.25%/MO

Our interest rates of 1.25 – 1.50% per month fall pretty middle of the road. We are not the cheapest, nor the most expensive, but our 100% financing options allow you to leverage our money.

Origination Points
5.5%

We take on significant risk in offering 100% financing and our points of 5.5% – 6.5% is what keeps us in business.

Max Loan Term
5-MONTHS

The default loan term is set at 5 months, but we do allow up to three 1-month forbearance payments equal to 1.0% of the loan if you need more time.

Monthly Payments
NONE

With no monthly payments during the initial loan term you can focus 100% of your time on rehabbing and selling the property.

Minimum Credit
NONE

None. A bad credit score will affect your points and interest, but because we lend on the property’s after repair value it won’t keep you from getting a loan

Min Cash-to-Close
$0.00

We do not require a down payment on the property. If everything fits in 70% of the ARV you can come to the closing table with $0.00.

Pre-Pay Penalty
NONE

With no pre-payment penalty, fixing and flipping the property in a shorter amount of time can only deepen your pockets.

Required Experience
NONE

Many other lenders either won’t lend to you or will jack up their prices unless you have prior experience, but we’re all making profitable real estate investing accessible to anyone.

Gap Financing
ALLOWED

We allow gap financing in the form of business lines of credit to help with cash-to-close when everything doesn’t fit in 70% of the ARV and we can help you get up to $100,000 in as little as 30 days.

Foreclosure Protection
PROPRIETARY

Nobody else looks out for you like we do. We offer proprietary protection that nearly precludes the possibility of a foreclosure on your records even in the worst-case scenario.

Refinancing Available
AVAILABLE

Yes. With traditional lenders limited to strict loan parameters, we focus on equity over borrower financials. This gives you the liquidity needed for your individual situation.

Full Disclosure
YES

Unlike a lot of other lenders who hide the full cost of the loan until it’s too late… we want you to know what you’re getting into and disclose ALL costs upfront.

The Next Step

Now that you’re educated on the types of residential rehabs for which we can provide funding, there are many exciting options to take advantage of when it comes to your funding and finding the perfect residential rehab loan. Unsure which is for you? Fill our our questionnaire below and speak with one of our investment associates.

  • REI Starter System

    Helps you jump-start into investing with essential tools and software you’ll need to find deals and get funded.
  • Wholesale Professional

    Shows all of the different ways to find properties, validate deals and develop a buyers list.
  • Guaranteed 90-Day Finding System

    Helps you find profitable properties in 90 days or less while learning valuable finding strategies.
  • REI Professional System

    Gives you step-by-step instructions, tools and coaching sessions for maximizing profit in real estate investments.
  • Advanced Deal Analysis

    An all-inclusive profit and risk analysis which helps you save time and money in finding the best deals.
  • Evaluation Credit

    Consists of at least two evaluations by third-party independent evaluators to assess the value of the property and provide vital information about the investment and profit potential.
  • Guaranteed Finding Starter System

    A proven, step-by-step, comprehensive system which teaches how to find and value properties.
  • Partner-with-a-Pro Starter System

    Gives you the opportunity to partner with one of our professionals to flip houses with guaranteed no cash to close, and earn a steady profit.
  • Proof of Funds

    Helps you get under contract fast with instant credibility.
  • Critical Contracts Portfolio

    An all-inclusive compilation of various contracts we’ve acquired over the years to help protect you and your investments.
Learn More