Fayetteville Hard Money Lenders
We provide direct private loans to help investors achieve project success.
Loan includes a rehab budget which is 100% funded.
Close fast with no pre-payment fee.
Allows non-owner occupied investors to leverage their funds.
Participate in a transaction without bringing funds to the table.
Hard Money Lenders in Fayetteville, Arkansas
FlipCo Financial powers Fayetteville’s dynamic real estate market with the same innovative spirit that drives the Razorback Nation. From historic Wilson Avenue’s tree-canopied gems to modern developments near the expanding U of A campus, we understand the unique rhythm of Northwest Arkansas’s cultural capital. Our local expertise runs deeper than the foundations of Old Main, whether you’re converting Victorian homes in Mt. Nord, developing student housing in the Entertainment District, or transforming properties along the expanding Razorback Greenway. As Fayetteville evolves into a cycling mecca and tech hub while maintaining its funky artistic soul, investors need a lending partner who understands both the city’s creative energy and its entrepreneurial future. Our hard money loans fuel projects across Fayetteville’s most promising neighborhoods – from Dickson Street’s vibrant corridor to the emerging South Yard district. The city’s transformation is evident everywhere: the Cultural Arts Corridor’s development, the Tech District’s growth near TheatreSquared, and the University’s continuous expansion driving demand for modern housing solutions. We offer funding solutions for savvy investors capitalizing on Fayetteville’s unique position as a city where academic excellence meets outdoor adventure, creating unprecedented housing demand from university faculty, tech professionals, and the growing mountain biking community. With funding decisions faster than a Razorback fast break and terms clearer than the view from Mount Sequoyah, FlipCo Financial helps you navigate opportunities in a market where Southern charm meets progressive vision. Whether you’re transforming properties near the Farmers’ Market Square, developing along College Avenue’s commercial corridor, or renovating craftsman homes in Washington-Willow, we provide the quick, flexible funding needed to succeed in Fayetteville’s evolving real estate landscape. Keep Fayetteville funky – we’ll keep it funded.
Bike City USA's Real Estate Revolution
Fayetteville's designation as the first UCI Bike City in America isn't just about cycling - it's reshaping real estate values across the city. The 40+ miles of world-class mountain bike trails at Kessler Mountain, combined with the expanding Razorback Greenway, has created premium values for properties with trail access. This isn't typical outdoor recreation development; it's a complete lifestyle transformation attracting both remote workers and cycling industry professionals. Properties near trailheads and along the greenway command premium rates, while neighborhoods like Mount Sequoyah and Gulley Park are seeing increased demand from the cycling community. With Walmart's investment in cycling infrastructure and events like the Cyclocross World Championships, Fayetteville's position as a cycling destination continues to drive property appreciation in previously overlooked areas.
The SEC Premium Effect
Unlike other college towns, Fayetteville benefits from the unique economic impact of SEC sports. Game weekends bring 75,000+ visitors to Razorback Stadium, creating unmatched short-term rental opportunities that can cover months of mortgage payments in just a few weekends. This isn't just about football - baseball, basketball, and track events draw consistent crowds year-round. Properties within walking distance to athletic facilities, particularly around Stadium Drive and Dickson Street, command premium rates during sporting events. The university's $160 million athletic facility expansion and the Track Capital of the World status brings international athletes and events, creating unique opportunities for both short-term rentals and long-term appreciation in neighborhoods surrounding sports venues.
The Startup City of the South
Fayetteville's emergence as a startup hub, fueled by the University of Arkansas's Innovation and Entrepreneurship programs and the Startup Junkie ecosystem, is creating unique real estate opportunities. The city's position between Fortune 1 companies in Bentonville and tech startups in the Pryor Center creates a distinctive market for innovative housing solutions. Areas like South Yard and the Cultural Arts Corridor are being transformed by this entrepreneurial energy, with former industrial spaces becoming creative offices and live-work spaces. The presence of the McMillon Innovation Studio and multiple startup accelerators attracts young professionals seeking urban amenities with mountain town charm. This startup culture, combined with the university's research programs, is driving demand for modern housing solutions that blend work and lifestyle spaces.
Fayetteville Hard Money Lenders
Quick closing
Minimal doc collection
All investor loans (non-owner occupied)
No appraisals, credit or background checks
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- Loan includes a rehab budget which is 100% funded.
- Leverage funds for multiple projects at once.
- Asset based approval.
- Quick and virtual rehab reimbursement.
- Close fast with a shortened guaranteed interest.
- No guaranteed interest.
- Stay ultra-competitive while making offers.
- Ideal for quick turnarounds and refinance exit stratgies.
- Allows non-owner occupied investors to leverage their funds.
- Ideal for auction purchases.
- Close with cash and let us put it back in your pocket.
- Get out of high interest rate private and hard money loans.
- Participate in a transaction without bringing funds to the table.
- Have a true closing to report.
- Seamless transaction.
- Bring your wholesaling game up a notch!
What Clients Say About Us!
FAQ's
At FlipCo, we understand that time is of the essence for real estate transactions. We can fund projects within 48 hours of receiving clear title and all underwriting documents.
The most important part of our deal structure is ensuring our client are set up for success. We go the extra mile to ensure that title issues are not overlooked, legal documents are prepared correctly for our clients and that our clients have all the tools they need for their projects. Our client’s success comes before anything else. Check out why we are the best Houston hard money lenders.
The monthly interest payment calculation is explained in detail via the agreed upon Term Sheet that is signed prior to project closing. We charge interest only payments and only ever on funds used. Our Houston hard money lenders will make sure you are notified about your payments well in advance and continually through your investing journey.
Yes, every property we lend on is required to have title, builder’s risk, hazard, and general liability insurance.
- Single Family Residential, up to 4 doors (No Owner-Occupied)
- First lien position
- Previously flooded properties require additional diligence from our underwriting team
- Additional square footage will require a survey prior to funding
At FlipCo, we offer a range of services to meet your real estate financing needs. Whether you’re looking to renovate and sell a property, secure a loan for a rental investment, or in need of a hard money loan, we have got you covered. Our Houston hard money lenders are experienced in providing financing options specifically designed for fix and flip projects, transactional funding rental investments, and refinance a rehab projects. For more information reach out to us here on our website.
When you contact our Houston hard money lenders, they will make sure to give you a check list of all the documents you need to qualify for your loan. Don’t worry, our experts have you covered.
Some Standard Documents of Purchase and Refinance Transactions will include and are not limited to:
– Driver’s License or Passport (ITIN number if you are a Foreign National)
– Purchase Agreement and any addendum(s)
– Proof of Earnest Money Deposit with check or wire receipt
– 2 Months Bank Statements to show the necessary cash to close and liquidity
– Entity Docs – Articles of organization, Operating agreement or Bylaws, EIN #, Corporate Resolution
– Title Commitment, Survey, HOA/Condo Questionnaire (if applicable), E&O, Wire Instructions, CPL, Draft Deed, HUD
– Evidence of Insurance – RCE/Insurable Value Required for Dwelling Coverage and 6 Months Loss of Rent Coverage
We typically approve our clients within 48 hours of receiving all required documents.
We do not require third party appraisals. All underwriting and price opinions are performed in house reducing project costs as well as providing enhanced efficiency to the underwriting process timeline. This makes a top choice for Houston hard money lenders.
- Last 3 months of bank statements
- Financial statement
- Completed borrower application
We offer a 3 and 6 month term.
FlipCo typically does not require a credit check. We pride ourselves on lending on the asset and strategy rather than the borrower’s credit score.
To qualify for a hard money loan, there are a few criteria you must meet. Firstly, if you are refinancing your property, you will need to have equity in it. This means that the value of the property should be higher than the outstanding balance of your existing mortgage.
If you are using the hard money loan for a property purchase, you will typically be required to make a down payment of at least 15% to 20% of the purchase price. Additionally, it is common practice for the property to be purchased under an entity, such as a business or commercial entity, to ensure that it is intended for business or commercial purposes.
These criteria, including having equity in your property for refinancing or making a sufficient down payment for a purchase, as well as utilizing an entity in the transaction, are important factors in qualifying for a hard money loan. FlipCo Financial are the premier Houston hard money lenders and will work with you to get the funding you need.
There are several compelling reasons why borrowers in Houston may opt for a hard money loan from a private lender instead of a conventional loan from a Houston bank:
1. Faster Funding: Unlike conventional banks that typically take 30-45 days or longer to approve and finance a residential loan, a Houston hard money loan from lenders like FlipCo Financial can be funded within a shorter time frame of 5-10 days. This is especially beneficial for borrowers who need immediate capital to secure a property or take advantage of time-sensitive opportunities.
2. Property Condition: Conventional banks often have strict underwriting guidelines that may prevent them from lending on properties in need of repair or upgrades. However, private lenders are more flexible in this regard and are willing to provide financing for properties that may lack cash flow or require renovations. This makes hard money loans a viable option for investors looking to purchase distressed properties or undertake renovation projects.
3. Asset-Based Lending: Unlike traditional banks that heavily rely on a borrower’s credit score, reported income, and debt-to-income ratio, hard money lenders focus primarily on the value of the asset being used as collateral for the loan. This means that borrowers with a less-than-perfect credit history or high debt levels can still be eligible for a hard money loan, as long as the property’s value justifies the loan amount. This asset-based approach opens up borrowing opportunities for individuals such as professionals with high incomes but significant debt obligations who may be turned down by traditional banks.
Overall, choosing a hard money loan in Houston from a private lender offers distinct advantages in terms of speed, property condition flexibility, and a focus on the asset rather than the borrower’s financial standing. These factors make hard money loans a preferred option for those seeking alternative financing options in the Houston market.
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