Fix and Flip Loans

Get Your Fix and Flip Loan Approved Today!

We understand the market and can provide fix and flip funding for projects where other lenders may not recognize the profit potential. We keep the process streamlined and make financial decisions based on the merits of the deal, with no income requirements and no pre-payment penalties. We provide first-time flip and fix loans and even better rates based on your company’s real estate investing success, starting as low as 6.50%.

OUR LOAN AMOUNTS

$100,000 TO $7,000.000 +

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OUR TERMS

6-24 MONTHS (LONGER TERMS CONSIDERED ON A CASE BY CASE BASIS)

INTEREST RATES

FROM 6.50%

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PREPAYMENT PENALTY

NO PREPAYMENT PENALTY

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LOAN TYPES

1ST POSITION LIENS FOR NON OWNER OCCUPIED (NOO) PROPERTIES ONLY

LOAN TO VALUE (LTV)

65 – 90% LTV or 75% of ARV
UP TO 90% ACQUISITION + 100% REHAB

LOAN ORIGINATION FEES

VARIES DEPENDING ON LENGTH OF TERM

Ready To Get Your Hard Money Loan?

Extremely competitive rates starting at 6.50% | We lend in all 50 states

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Many real estate investors need the ability to seize opportunity quickly and flip property for profit without waiting weeks or months for a traditional money lender to provide funds. When an auction or short sale property comes on the market, your ability to capitalize on that diamond in the rough can make or break your year.

When you intend to repair and resell a property for profit and need reliable fix and flip financing, Sunset Equity is one of the easiest direct lending firms to work with. As one of the top direct lenders in the industry we offer some of the best short-term loan rates available and can provide your flip and fix funding fast.

Why Choose Fix and Flip Financing from Sunset Equity?

We understand the market and can provide fix and flip funding for projects where other lenders may not recognize the profit potential. We keep the process streamlined and make financial decisions based on the merits of the deal, with no income requirements and no pre-payment penalties. We provide first-time flip and fix loans and even better rates based on your company’s real estate investing success, starting as low as 6.50%.

Choosing the best fix and flip loans available allows you to:

  • Purchase property in distressed condition and include the estimated costs of repair or renovation in a single short-term loan.
  • Access direct funding for house flipping which is based on the profit potential of investment property, rather than your individual income.
  • Utilize flexible payment structures which may defer some financing costs until resale.
  • Receive private real estate loans faster and close cash deals quickly, sometimes in as little as 15 days.
  • Establish a successful track record as a real estate investment firm and have a solid relationship with one of the best fix and flip hard money lenders in the business for future deals at even better rates.

 

Do You Have Questions About Fix and Flip Financing?

Fixing and flipping residential properties can be a lucrative business for those with an eye for profit and ready access to low-cost flip loans. If this is the first time you have investigated borrowing money to flip a house, consider these factors:

  • Is the property eligible? We offer fix and flip funding for non-owner occupied real estate nationwide, with the exceptions of property located in Alaska, North Dakota, and South Dakota.
  • How much of the property value can I finance? We offer LTV (loan-to-value ratios) of up to 90%. We finance fix and flip deals from $100,000 to more than $7,000,000.
  • Are commercial fix and flip loans available? We provide flip funding for SFR (single family residential), condominiums of 1-4 units, multifamily dwellings including townhouses, and mixed-use (residential combined with light commercial, retail, or office) property.
  • Will I qualify for a short-term real estate loan? We are happy to review your application and discuss the details of any potential flip. No proof of income is required, and foreign nationals may apply. We are excited to discuss the merits of your proposed deal and make it our business to fund as many profitable fix and flip projects as possible.

Leverage Faster Funding for Fix and Flip Projects

Finding the next home to flip is easier when you can focus on opportunity rather than obstacles. Maybe you have already experienced your competition beating you to the table because they have faster access to financing.

Partnering with us at Sunset Equity gives you the leverage to back up offers and close deals while other investors are still filling out paperwork. If you are ready to purchase, you can apply now and get started right away, or contact us with questions to find out more.

What We Offer

GROUND UP CONSTRUCTION PROGRAM-90% LTC*

  • Up to 90% LTC, 70% LTARV, Not to exceed 75% of the acquisition cost
  • Up to 100% of construction
  • Rates starting at 7.99%
  • 12 / 18 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • Experienced developers only
  • LTV / LTC Rate and point are based on asset type, experience, and market data

FIX AND FLIP (NO INTEREST ON REHAB HOLDBACK) 90% LTC*

  • Up to 90% LTC
  • Up to 100% of rehab cost, not to exceed 80% of ARV
  • Rates starting at 6.50%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • LTV / LTC Rate and point are based on asset type, experience, and market data

RENTAL PROGRAM

  • Up to 75% LTV
  • Rates starting at 4.5%
  • 30 Year Term
  • Business Purpose Loans Only
  • Short term rental income permitted (Airbnb or similar service)

CASH OUT & RE-FINANCE

  • 70% to 75% LTV
  • Rates starting at 7.99%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • The reason for cash-out and the exit strategy will be underwritten thoroughly

Ready To Get Your Hard Money Loan?

It’s fast, easy and best of all- no paperwork!

We beat any LOI Don’t get stuck in high rates

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