Fix & Flip Hard Money Loan

for Real Estate Investors

Short-term financing to purchase, renovate, and resell investment properties.

What is a Fix & Flip Hard Money Loan?

A Fix & Flip Hard Money Loan is a short-term financing option for real estate investors aiming to purchase a property, renovate it to enhance its value, and sell it quickly for a profit. This type of loan is designed to cover both the acquisition and renovation costs of the property.

Underwriting focuses on property value, renovation scope, and exit strategy, not personal income.

This loan program is ideal for:

Newer or intermediate investors
Investors completing their first few flips
Borrowers who want structured, predictable financing
Projects with a clear resale exit

Get Pre-Approved

Our pre-approval process is fast and easy. We’ll create an account for you in our system so that funding your future deals is quicker and hassle-free. The best part is that when you are pre-approved before getting a deal under contract, we’ll waive your $1000 Account Setup Fee just for planning ahead!

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Set Up Your account

You're Pre-Approved!

Get Pre-Approved

Want to see what our loans actually look like?

We created a real-world example of a first-time borrower’s hard money loan so you can see how our numbers work, what terms look like, and what you can expect when partnering with us.

Download Loan Example

Fix & Flip Loan Terms

Our Fix & Flip loans provide clear, investor-friendly structures to help you execute efficiently.

Up to 100% Loan-to-Cost (LTC) (Max 70% of ARV)
Up to 100% Rehab Financing (Max 70% of ARV)
Rates start at 15% and 4 points
No income or credit checks—we underwrite based on you and your deal

Interest-only payments begin on the last day of the first full month of your loan
Loan terms start at 6 months (extension available)
Interest payments made via ACH for ease and speed

How the

Process Works

Step 1: Set Up Your Business LLC
REIA Hard Money does not loan to individuals, so you will need to have your business LLC set up before moving forward with your pre-approval or loan application. Need help? Connect with our strategic partner law firm Zimmer & Rens, or a legal representative of your choice to establish your LLC.
Step 2: Connect and Get Pre-Approved
Click here to connect with our team and we’ll reach out to you and get the ball rolling.

Pro Tip: If you get pre-approved before you have a deal under contract, we’ll waive the $1,000 Account Setup Fee.
Step 3: Complete Account Setup
Our team will assist you with setting up an account on our website. We collect all your business information up front to ensure a faster, smoother closing process when it is time to fund your deals.
Step 4: Submit a Loan Application
Pre-approved borrowers will gain access to our simple online loan application. It’s a one-stop shop where you can easily submit your deal information and upload your contract and other essential documents so we can move forward quickly. We aim for repeat business, so our system makes it easy for you to count on us for every deal.
Step 5: Due Diligence, Underwriting & Loan Commitment
Our third-party appraisal experts will swiftly evaluate your deal, taking into account factors such as After Repair Value (ARV) and exit strategy to determine if it aligns with our criteria for loan approval. We’ll send you a loan commitment for your approval outlining all amounts, rates, and terms for your loan.
Step 6: Close & Start Your Project
We’ll disburse the funds required to secure your property at closing. We are also able to fund the cost of repairs to support the success of your project.

Get Pre-Approved

Benefits of Fix & Flip Hard Money Loans

Close quickly on competitive properties
Finance both purchase and rehab costs
Clear and predictable loan structure
Designed specifically for real estate investors
Ideal for repeat fix-and-flip projects

Frequently Asked Questions

Can first-time investors qualify for fix and flip loans?
Yes. This program is designed for newer and intermediate investors.
How is ARV determined?
ARV is established through third-party valuation based on comparable properties.
How are rehab funds disbursed?
Funds are released through a draw process as renovation milestones are completed.