Close in 10 Days. 90% LTC.
Indianapolis real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 660+ credit. Close in 5-10 days.
Check My Indianapolis Rate →Fix & Flip loans in Indianapolis qualify based on the property's rental income, not your W-2 or tax returns. 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.
Indianapolis consistently ranks in the top 10 US investor markets for cash flow. Healthcare (Eli Lilly, IU Health), logistics (Amazon, FedEx hubs), and motorsports (Indianapolis 500) anchor a diverse economy. Lower price points plus 7-9% yields attract both out-of-state investors and locals. Strong landlord-friendly state laws.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Indianapolis metro including Carmel, Fishers, Noblesville, Greenwood, and Westfield.
Accurate ARV is critical. Indianapolis submarkets like Broad Ripple have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Indianapolis rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Indianapolis — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Indianapolis averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Indianapolis fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
Most programs require 660+ FICO. Stronger programs start at 680-700.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Indianapolis range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Indianapolis fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
No credit pull. No commitment. Speak with a licensed financing firm with direct access to 30+ capital sources.
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