Looking for 90-100% LTC lending

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Looking for 90-100% LTC lending

Jennifer Fernéz
Investor · Reading, PA · Member since 2014 · 167 posts · 49 votes

I'm looking for a lender who will cover 100% of rehab and at least 90% of the loan. I have buy and holds with traditional mortgages, and now looking to get into fix and flips to gain more capital. Any lender suggestions? 

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Christian Wamsley
Investor · Augusta · Member since 2024 · 29 posts · 25 votes
8mo

Jennifer — 90–100% LTC is possible, but it usually depends less on the lender and more on how the deal is structured.

Most lenders that will go that high are looking at:

  • • Strong margin (purchase + rehab well below ARV)

  • • Clean exit plan

  • • Either prior flip experience or additional support (reserves, partner, cross-collateral, etc.)

Since you’ve done buy-and-holds, the biggest question lenders will ask is how your experience translates to managing timelines, contractors, and resale strategy.

Sometimes it’s not about finding “a 100% lender,” but about structuring the deal so the risk makes sense at that leverage.

If you’re open to it, I’d be happy to compare notes on one of the deals you’re looking at and help you think through how lenders will underwrite it.

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  • Scott WolfPro Member
    Lender · Boca Raton, FL · Member since 2014 · 1k+ posts · 959 votes
    8mo
    Quote from @Jennifer Fernéz:

    I'm looking for a lender who will cover 100% of rehab and at least 90% of the loan. I have buy and holds with traditional mortgages, and now looking to get into fix and flips to gain more capital. Any lender suggestions? 


     Hi Jennifer, give me a call, we can get there with some experience.

    0Reply
  • Jacob Hill
    Lender · Houston, TX · Member since 2025 · 53 posts · 14 votes
    8mo

    Hey Jennifer,

    I can get you approved (depending on the deal) with 90/100. sending you a DM now

    0Reply
  • Christian Wamsley
    Investor · Augusta · Member since 2024 · 29 posts · 25 votes
    8mo

    Jennifer — 90–100% LTC is possible, but it usually depends less on the lender and more on how the deal is structured.

    Most lenders that will go that high are looking at:

    • • Strong margin (purchase + rehab well below ARV)

    • • Clean exit plan

    • • Either prior flip experience or additional support (reserves, partner, cross-collateral, etc.)

    Since you’ve done buy-and-holds, the biggest question lenders will ask is how your experience translates to managing timelines, contractors, and resale strategy.

    Sometimes it’s not about finding “a 100% lender,” but about structuring the deal so the risk makes sense at that leverage.

    If you’re open to it, I’d be happy to compare notes on one of the deals you’re looking at and help you think through how lenders will underwrite it.

    1Reply
  • Steve HiltabiddlePro Member
    Lender · Pennysylvania · Member since 2018 · 139 posts · 68 votes
    8mo

    @Jennifer Fernéz

    I am not far from Reading and have made a number of loans to a few investors in Reading.  I'd welcome the opportunity to learn more about your investing strategy, experience and what you're looking to do in the future.

    Feel free reach out directly and we can connect and chat further.

    Steve

    0Reply
  • Erik EstradaBusiness Member
    Lender · Member since 2022 · 6k+ posts · 1k+ votes
    8mo
    Quote from @Jennifer Fernéz:

    I'm looking for a lender who will cover 100% of rehab and at least 90% of the loan. I have buy and holds with traditional mortgages, and now looking to get into fix and flips to gain more capital. Any lender suggestions? 


     Happy to connect. We offer up to 100% LTC (purchase + rehab)

    [email protected]818-269-7983
    LuxePrivate Investments LLC 572 Reviews
    WebsiteView Page
    0Reply
  • Matthew Bernal
    Investor · Austin, TX · Member since 2021 · 497 posts · 127 votes
    7mo

    Do you already have a deal under contract, or are you lining up financing first?

    100% rehab and 90% purchase is possible in some cases, but it usually depends on experience, liquidity, and how strong the deal is (ARV and margin especially).

    If you’re open to it, happy to jump on a quick call and go over your goals and see what structure would realistically fit.

    0Reply
  • Michael McCoy
    Lender · Hinton, WV · Member since 2026 · 20 posts · 0 votes
    7mo
    Quote from @Jennifer Fernéz:

    I'm looking for a lender who will cover 100% of rehab and at least 90% of the loan. I have buy and holds with traditional mortgages, and now looking to get into fix and flips to gain more capital. Any lender suggestions? 


     check out my site for more information  

    mandcip.com

     I could be a big help in your endeavors  

    0Reply
  • Vijay FriedmanBusiness Member
    Miami, FL · Member since 2026 · 766 posts · 123 votes
    5mo
    Quote from @Jennifer Fernéz:

    I'm looking for a lender who will cover 100% of rehab and at least 90% of the loan. I have buy and holds with traditional mortgages, and now looking to get into fix and flips to gain more capital. Any lender suggestions? 

    @Jennifer Fernéz

    90–100% LTC is possible with some hard money/RTL lenders, but it usually depends heavily on borrower experience, liquidity, credit, and the strength of the deal.

    Most lenders offering higher leverage will still look closely at:

    • purchase price vs ARV
    • rehab budget
    • borrower experience
    • credit/FICO
    • liquidity/reserves
    • scope of work
    • exit strategy
    • max LTARV

    If you have buy-and-hold experience but are newer to flips, you may still qualify, but terms may be tighter than someone with completed flips. I’d compare not just leverage, but also points, rate, draw process, fees, and extension terms. 

    786-656-0387
    DreamPoint Capital
    WebsiteView Page
    0Reply
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