Fix & Flip Hard Money Lenders

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Fix & Flip Hard Money Lenders

Mathew Swingle
Investor · Member since 2025 · 6 posts · 9 votes

I currently have a property under contract and have been searching for different lenders. I either can't get anyone to call me back or the one's who advertise services I am looking for aren't currently offering these types of loans. I know it is harder to find, but does anyone have any recommendations on lenders they use that offer 100% lending for fix & flips?

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Jay HinrichsBusiness Member
Real Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
1y

does not exist for first time clients.. ...  for well seasoned repeat borrowers there is 100% but this is after a number of successful projects and deep history between operator and lender.

I do 100% for all my best clients and have done that for 2 plus decades.

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  • Jay HinrichsBusiness Member
    Real Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
    1y

    does not exist for first time clients.. ...  for well seasoned repeat borrowers there is 100% but this is after a number of successful projects and deep history between operator and lender.

    I do 100% for all my best clients and have done that for 2 plus decades.

    Podcast Guest on Show #222
    JLH Capital Partners51 Review
    WebsiteView Page
    4Reply
    • Kyl Reese
      Member since 2025 · 3 posts · 1 vote
      10mo
      Quote from @Jay Hinrichs:

      does not exist for first time clients.. ...  for well seasoned repeat borrowers there is 100% but this is after a number of successful projects and deep history between operator and lender.

      I do 100% for all my best clients and have done that for 2 plus decades.


       What is someone has a good amount of equity in the owner occupied home?   Can they use cross collateral??????  Would that help get to 100%???????

      0Reply
    • Jay HinrichsBusiness Member
      Real Estate Consultant · Summerlin, NV · Member since 2014 · 45k+ posts · 66k+ votes
      10mo
      Quote from @Kyl Reese:
      Quote from @Jay Hinrichs:

      does not exist for first time clients.. ...  for well seasoned repeat borrowers there is 100% but this is after a number of successful projects and deep history between operator and lender.

      I do 100% for all my best clients and have done that for 2 plus decades.


       What is someone has a good amount of equity in the owner occupied home?   Can they use cross collateral??????  Would that help get to 100%???????


      sure thats possible with the big box lenders or all the Brokers on BP there are any number of them you can contact and run your scenario by..  But generally speaking the Brokers want to be paid at closing so you will need cash to pay their fee's plus title and escrow  apprasial etc etc.
      Podcast Guest on Show #222
      JLH Capital Partners51 Review
      WebsiteView Page
      0Reply
  • Alexis Sostre
    Lender · Los Angeles, CA · Member since 2020 · 65 posts · 15 votes
    1y

    I do fix and flips loans lets talk!

    0Reply
  • Andy SabischPro Member
    Investor · Jackson, MS · Member since 2021 · 657 posts · 559 votes
    1y

    For a first time flip, I would be very careful about that type of loan - timelines will be busted and carrying costs can eat up any profits.  If you find a lender that is willing to do a 100% flip loan with no experience, I would see that as a red flag since you have no skin in the  game and the lender would be crazy to lend money with that condition.

    0Reply
  • Arman AhmedPro Member
    Real Estate Agent · Columbus Cleveland Dayton, OH · Member since 2024 · 2k+ posts · 908 votes
    1y

    @Mathew Swingle

    Mathew, congrats on getting a property under contract. Finding the right hard money partner can definitely be tricky right now. DM me—I’ve got a couple of solid lender connections that could be a good fit for what you’re looking for.

    [email protected]614-418-6081
    1Reply
  • Jackie Carmichael
    Lender · Hinton, WV · Member since 2025 · 128 posts · 53 votes
    1y

    Mathew — congrats on getting a property under contract. You’re right, 100% financing on flips is extremely rare — most lenders want to see at least 10–20% skin in the game.

    That said, a lot of deals feel like 100% financing when structured right:

    • Up to 90% of purchase + 100% of rehab (capped at 75% ARV)

    • Interest-only payments, 12-month term

    • Closing in 2–3 weeks, sometimes 10 days for repeat borrowers

    That usually leaves investors bringing in closing costs + a small down payment — often $30–40k on a mid-size deal.

    On my side, I work with investors nationwide on these exact programs. If you’d like, I can run your numbers quickly so you know exactly what cash you’d need to bring to close and what your monthly carry would look like.

    Curious — what’s the purchase price and rehab budget on your current deal?

    0Reply
  • Peter MckernanBusiness Member
    Residential Real Estate Agent · Irvine, CA · Member since 2013 · 2k+ posts · 1k+ votes
    1y

    As Jay said, you need some seasoning as a person in the industry or partner with one to make that happen for 100% fin. I would partner with someone to show that lender the track record if you want 100% fin. on the deal. 

    The McKernan Group4.954 Reviews
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  • Augustin Stucker
    Member since 2025 · 148 posts · 4 votes
    1y

    I hear you, finding true 100% financing for fix & flips is very tough right now, and many lenders have tightened their programs. That said, there are still private funding options available that can help cover purchase + rehab costs, depending on the deal structure. If you’d like, feel free to connect with me directly and I’d be happy to learn more about your project and see what solutions we might be able to offer.

    0Reply
  • Frankie VozziBusiness Member
    Member since 2025 · 335 posts · 82 votes
    1y

    Happy to connect and see if we can help on this project or future projects! I sent you a DM.

    [email protected]516-888-7750
    0Reply
  • Daren Abshire
    Lender · Sacramento, CA. · Member since 2025 · 44 posts · 2 votes
    11mo

    100% fix & flip funding is rare, but not impossible if the deal pencils out. Curious, what are the numbers on your contract (purchase, rehab, ARV)? That usually helps in structuring something close to full coverage. Happy to connect if you'd like to walk through options.

    0Reply
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