Close in Days · 100% Rehab Financing · No Impact to Credit Score
Investment Property Only • No Impact to Credit Score
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By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
A loan specialist will contact you within 1 business day with your financing options.
A Fix & Flip loan is short-term acquisition and rehab financing for real estate investors who purchase, renovate, and resell properties. LendingStreet structures Fix & Flip loans up to 90% LTC and 100% rehab financing with closings in as few as 5 days. We fund deals Kiavi and LendingOne decline: first-time flippers with strong credit, mixed-use rehabs, ground-up construction, and properties needing more than $250K in rehab budget.
Loan-to-Cost on purchase price.
Full rehab budget financed via draw schedule.
Fastest close. Typical: 5-10 days.
From $150K to $5M+ per project.
Fix & Flip Loans finance both your acquisition and your rehab budget. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
LendingStreet connects you with top-rated hard money lenders who specialize in fix and flip financing. With rates starting at 9.99%, approval in as little as 48 hours, and closings in as few as 5 days, our fix and flip program is built for investors who move fast.
Our lenders offer up to 95% of the purchase price and up to 100% of renovation costs — so you can acquire and renovate with minimal cash out of pocket. No W-2s, no tax returns, and no DSCR requirements.
Get My Fix & Flip Options →Fund acquisitions and renovations with maximum leverage and fast closings
Closed my flip in Brooklyn in 7 days. Three competing term sheets within 24 hours of submitting. Nothing else comes close to this speed.
100% of my rehab costs were funded. I didn't have to bring a dollar to the table for the renovation. The deal worked because of this program.
I've done 23 flips and LendingStreet's network gives me better rates than anywhere else I've tried. Fast, professional, and reliable.
Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.
Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.
Receive your loan offer with competitive rates and terms. Funds deposited directly to your account — as fast as 5 business days.
Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet works your deal across 30+ capital partners to find the program with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.
We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.
Bridge loans in 5–10 days. Fix & Flip in 5–10 days. DSCR in 14–21 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.
10 years serving investors. $4.36B funded across 8,196 closed deals in 50 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.
Contact one of our experienced loan specialists today.
Four questions that decide most flips. Short version here; the full treatment is one click away.
Real scenarios, written up in full.
Fix-and-flip programs finance up to 90% of the purchase price and up to 100% of the rehab budget. That is not the same as 100% of the total project, and it is not cash-free. Here is how the money moves on a hypothetical deal.
| Purchase price | $200,000 |
| Rehab budget | $60,000 |
| Total project cost | $260,000 |
| Loan: 90% of purchase | $180,000 |
| Loan: 100% of rehab (released in draws) | $60,000 |
| Total loan | $240,000 (92% of cost) |
| Your down payment (10% of purchase) | $20,000 |
| After-repair value (ARV) | $360,000 |
| Total loan as a share of ARV | 67% |
Cash you still need: the down payment, closing costs and lender fees, interest during the hold, a contingency for rehab overruns (10–15% is common), and working capital to fund each phase of work before the draw that reimburses it. Most programs also cap the total loan at a percentage of ARV; the capital source sets that limit, and it can be the binding one on a light-rehab deal.
First-time flippers are placed regularly. Expect a somewhat lower leverage, more attention on the scope of work and the contractor, and a stronger case for the after-repair value. A clear budget, a licensed contractor and comparable sales for the ARV do more for approval than anything else. See first-time fix and flip loans.
What to have ready: the address and purchase contract, your rehab budget or scope of work, the expected ARV with comparable sales, your credit range, your flip experience and the exit plan — sell, or refinance into a DSCR loan and hold.
Actual loans from our records. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
Illustrative write-ups of scenarios we finance; see each page for details.
Largely, yes. A fix and flip loan is a hard money loan — asset-based short-term financing underwritten on the property and the deal rather than on your personal income. Investors searching for hard money lenders, hard money loans for flipping houses, or private money lenders are describing the same product. The term “hard money” historically referred to expensive last-resort capital; today it simply means the loan is secured by the asset and priced on the deal. What matters is the leverage against total project cost, how quickly renovation draws release, and whether the lender will write your property type — not what the product is called.
National fix and flip lenders publish tight eligibility boxes because they fund from one balance sheet. Common exclusions across the largest platforms include mixed-use, commercial, rural and agricultural-zoned property, manufactured homes, properties under 800 or over 3,000 square feet, homes older than 90 years, five or more bedrooms, and any deal where the rehab budget exceeds roughly half the purchase price. Several also decline entire states outright.
Because LendingStreet works across more than 30 capital sources rather than a single set of guidelines, those exclusions are not a single answer. A rehab-heavy deal in Cleveland where renovation exceeds acquisition is routine at some sources and an automatic decline at others. A pre-1900 rowhome in Philadelphia, a rural property on five acres, a 5-to-8 unit building, a condotel, a first-time flipper with a licensed general contractor — each of these is placeable somewhere and unplaceable elsewhere.
The practical point: a decline usually describes one lender’s box, not your deal. If you have been turned down, the useful next step is placing the same file against a different set of guidelines rather than changing the deal.
Market-specific pages for the metros where we finance the most flip deals.
El Paso, TXMcAllen, TXCorpus Christi, TXWaco, TXKilleen, TXLubbock, TXSarasota, FLLakeland, FLPalm Bay, FLPensacola, FLGreensboro, NCWilmington, NCAsheville, NCFayetteville, NCDayton, OHAkron, OHToledo, OHRoanoke, VACharlottesville, VATrenton, NJCamden, NJSavannah, GAAugusta, GAMacon, GAColumbus, GAFort Wayne, INSouth Bend, INEvansville, INRockford, ILPeoria, ILSpringfield, ILAllentown, PAHarrisburg, PAScranton, PAGrand Rapids, MILansing, MIFlint, MIPittsburgh, PABaltimore, MDHuntsville, ALMobile, ALFort Worth, TXLouisville, KYRichmond, VAVirginia Beach, VAWashington, DCSeattle, WAPortland, ORFort Myers, FLStamford, CTNew Haven, CTGreenville, NCNew York, NYMonroe, LALendingStreet (legal entity JRS Home Loans LLC, NMLS #1734316) is a licensed investment property financing company with direct relationships across 30+ capital sources, lending in all 50 states. Products: DSCR rental loans ($150K+, 80% LTV purchase, 1.0x min DSCR), fix & flip and bridge (up to 90% LTC, 100% rehab, closings in 5–10 days), ground-up construction, commercial and mixed-use, small multifamily (5–20 units), blanket portfolio (5+ properties), STR/Airbnb DSCR on projected revenue, and gap funding. Loan range $150K–$20M+. Phone: (877) 298-1001. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, PeerStreet, or LendingStreet India.