Looking for 90-100% LTC lending

[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? 

[Christian Wamsley]

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.