100% Financing on Fix and Flips?

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100% Financing on Fix and Flips?

Kevin Leonard
Member since 2025 · 2 posts · 8 votes

I just got off the phone with a lender that offers 100% financing on Fix and Flips in Nashville. We are a private money lender located in Nashville, but offer loans everywhere. I have heard of this high of LTV before, we have dozens at 90% but not 100%. Does anyone else work with lenders offering this type of financing?

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Erik EstradaBusiness Member
Lender · Member since 2022 · 6k+ posts · 1k+ votes
1y
Quote from @Anish Patel:

We have gone high as 97% the only 100% I have seen is from a company called Kiavi. 


 Kiavi is at 90/100 

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  • Erik EstradaBusiness Member
    Lender · Member since 2022 · 6k+ posts · 1k+ votes
    1y

    I have personally never worked with one, but have heard a few lenders offering this. The main catch is the higher fees.. 

    [email protected]818-269-7983
    LuxePrivate Investments LLC 572 Reviews
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  • Anish Patel
    Banker · Sarasota, FL · Member since 2016 · 28 posts · 3 votes
    1y

    We have gone high as 97% the only 100% I have seen is from a company called Kiavi. 

    0Reply
  • Jacob HeartBusiness Member
    Property Manager · Nashville, TN · Member since 2025 · 9 posts · 0 votes
    1y

    I also have seen a lot of 90% but rarely 100%. 

    [email protected]781-460-8849
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  • Emran Chowdhury
    Investor · Knoxville, TN · Member since 2018 · 71 posts · 21 votes
    1y

    I worked with the lenders who goes upto 100% on the fixing part, not the whole ARV. Not sure if they just want to get your business or not, but there should be a catch.

     What if you take the money and never complete the fix & flip? Most likely the lender has fine print of refinancing with them after the flip where they can get 3 points in first loan & another 3 points during refinancing.

    0Reply
  • AJ ExnerPro Member
    Lender · Springfield, MO · Member since 2023 · 663 posts · 320 votes
    1y
    Quote from @Kevin Leonard:

    I just got off the phone with a lender that offers 100% financing on Fix and Flips in Nashville. We are a private money lender located in Nashville, but offer loans everywhere. I have heard of this high of LTV before, we have dozens at 90% but not 100%. Does anyone else work with lenders offering this type of financing?


    There are a few that I know but usually comes with experience qualifications, FICO/reserve requirements, specific lending regions, or all the above. I would think if the numbers line up and you have some experience that there should be some options available.

    [email protected]417-427-2612
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  • Ko KashiwagiPro Member
    Lender · Los Angeles, CA · Member since 2022 · 967 posts · 445 votes
    1y

    I know a few that would do 100/100 but the points are typically 3-5 points especially if it's somewhat institutional. Or a true small private lender that does 100% LTV

    310-848-9776
    0Reply
  • Rick Pozos
    Wholesaler, Rehabber and Landlord · San Antonio, TX · Member since 2014 · 2k+ posts · 2k+ votes
    1y

    The original poster says I just got off the phone with a lender, then says We are a private money lender, HMMM???

    All his socials have 1 or 2 followers, but 10 employees, HMMMM???? I would have all of my employees like my socials.

    Says in Nashville, but says in Dallas, but no phone number anywhere, HMM????

    Dont give up your bank accounts and social security number!!!!

    0Reply
  • Wyatt Ferm
    Lender · Member since 2024 · 15 posts · 13 votes
    1y
    Quote from @Kevin Leonard:

    I just got off the phone with a lender that offers 100% financing on Fix and Flips in Nashville. We are a private money lender located in Nashville, but offer loans everywhere. I have heard of this high of LTV before, we have dozens at 90% but not 100%. Does anyone else work with lenders offering this type of financing?


    As a HML I see a lot of different term sheets. I've seen a ton of 90%, a few 95%, but never 100%. Kiavi used to do 100% for there highest tier borrowers but from what I've heard, they are starting to roll that back.

    1Reply
  • Deborah Wodell
    Lender · Sanford, NC · Member since 2024 · 359 posts · 123 votes
    1y

    I have heard some lenders do it but not sure on how well it works. Unless its with a private lender or JV partner. Typical is the 90/100 and I have one that can do up to 95% on a flip.

    0Reply
  • Nghi Le
    Investor / Lender · Seattle, WA · Member since 2014 · 1k+ posts · 730 votes
    1y

    We are a smaller private lender and only in a handful of states, but we've done several 100%+ financing (where we finance the entire purchase, closing costs, front the rehab, and include interest reserves), but our LTVs (based on as-is value, not ARV) are lower than most national hard money lenders. Typically this only makes sense if the borrower is walking into a lot of upfront equity, has rental properties with equity that they are willing to cross-collateralize (we don't mind taking a 2nd lien behind stable 30-yr mortgages), or in conjunction with other private money or seller financing in junior lien positions.


    We're not competitive if the borrower is just buying something off the MLS and doesn't have any other properties to cross; we'd be 25-30% down instead of the 10-15% down that you see everywhere nowadays. We cater more to the creative financing crowd.

    0Reply
  • Jacqueline Wright
    Lender · Nashville TN, USA · Member since 2024 · 142 posts · 30 votes
    1y

    Hey Kevin! 100% financing on fix and flips can be a game-changer, especially for investors looking to maximize leverage. Here are a few scenarios where I've seen this happen:

    💰 How 100% Financing Works:

    Cross-Collateralization: If the borrower has equity in another property, lenders may use it as collateral to cover the gap.

    Experienced Investors: Some lenders offer 100% financing to seasoned flippers with a proven track record, often with a higher interest rate or profit share.

    Gap Funding + Hard Money: Pairing a traditional hard money loan (e.g., 70-90% LTV) with a private money lender (PML) to cover the rest, including rehab costs.

    🚩 Red Flags to Watch:

    High Fees: Some 100% programs charge hefty origination or hidden fees.

    Equity or Profit Share: Make sure you’re clear on what you’re giving up—equity or a cut of profits might be required.

    Risk of Overleveraging: 100% financing leaves little margin for error if your ARV or rehab costs run over.

    ✅ Pro Tip:

    If you’re offering or working with 100% financing, due diligence is crucial. I’m a PML myself, and I always advise setting clear terms, timelines, and exit strategies to keep deals smooth.

    Have you used this program yet, or are you testing the waters? Curious how it’s structured!

    0Reply
  • Garret A.Business Member
    Lender · Member since 2024 · 12 posts · 1 vote
    1y

    Yep, it's out there. There is an investor offering this nationwide. 

    New and experienced Investors are eligible, each subject to credit level matrix caps in respect to experience and Fico Score. 

    [email protected]714-225-8858
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  • Mike Klarman
    Specialist · NJ · Member since 2022 · 1k+ posts · 663 votes
    1y

    I know of a few lenders that have. the 100/100 programs.  The barrier to entry is good credit and top box experience and then also a great track record with the lender.

    Not easy to get into and 99% of the investing world cannot get 100%/100% on their deals.

    0Reply
  • Roderick MasonPro Member
    Lender · Chicago · Member since 2025 · 4 posts · 2 votes
    1y

    I've heard of it being done with brokers as a JV deal

    0Reply
  • Ryan Maggard
    Lender · Cleveland Ohio · Member since 2025 · 42 posts · 1 vote
    1y

    I have investor for 100% purchase price and 100% rehab as long as ARV comes back at 70%.

    Here are the states we can do this for. 

    Texas, Ohio, Georgia, Tennessee, Florida, and Louisiana

    1Reply
  • Ryan Maggard
    Lender · Cleveland Ohio · Member since 2025 · 42 posts · 1 vote
    1y

    Yes cost for the loan are going to be there but no down payment 

    0Reply
  • Terry Savage
    Member since 2025 · 37 posts · 3 votes
    1y

    Let's connect!

    Terry Savage
    +1 406 261 0325
    [email protected]
    https://tlsfunding.com/

    0Reply
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