FlipCo Financial

Residential Hard Money Lenders

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Quick Closing - Fast Funds

We provide FAST funds - get funded within 48 hours from clear title.

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Simple & Easy Process

The premier, easy to work with lender that utilizes flexible and easy solutions.

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No Hidden Fees

We are transparent lenders that explain the numbers every step of the way.

If you’re in need of residential hard money, look no further than FlipCo Financial. We are a premier residential hard money lender with years of experience and a proven track record. We offer competitive rates and terms, and work with each borrower on a case-by-case basis to ensure that their needs are met.

Why Residential Hard Money?

Investing in residential real estate can be an extremely profitable business model for people looking to get into the investing game.  But it’s not without its risks – one of the biggest being finding the right financing.

Banks are often hesitant to lend money for residential investments, as they are considered higher risk than other types of investments. This is where residential hard money comes in. Hard money loans are asset-based loans that are typically provided by private investors or companies.

The main advantage of residential hard money is that it’s easier to qualify for than traditional bank financing. Since the loan is based on the value of the property being purchased, rather than the borrower’s credit history, residential hard money lenders are often willing to work with borrowers who might not qualify for a bank loan.

Another advantage of residential hard money is that it can be used for a wide variety of purposes, including purchasing fixer-uppers, funding rehab projects, or even flipping houses. All of these projects can be very lucrative even on your first investment. It’s important to do a lot of research beforehand and work with a hard money lender who will walk you through the process of getting funded.

Residential Hard Money Nationwide

FlipCo Financial is funding projects across the nation. We work with investors in many different cities to get them funded for their projects.  Our loan officers will work with you to customize a plan that fits your timeline and funding needs. We will also discuss all your options and make sure you understand exactly what you are getting with your loan. 

States we lend Hard Money: 

Texas
Tennessee
Florida
Georgia
Kansas
Missouri
Arizona
North Carolina
South Carolina

Map Hard Money Loan by FlipCo Financial

Quality Residential Hard Money Lenders

We understand that not everyone has perfect credit or collateral, so we offer residential hard money loans for a variety of situations and needs. Whether you’re looking to finance a fix-and-flip project, purchase a new investment property, or refinance an existing loan, we can help.

Our residential hard money loans are available for both primary residences and investment properties. We offer loan terms from 12 months to 36 months, and we can fund loans in as little as 3 days.

When you’re looking for residential hard money, it’s important to choose a lender that you can trust. You want to find a lender that is responsive, friendly, experienced and fast! If you are looking to fix and flip, wholesale and fund your next residential real estate project. Contact FlipCo Financial to get started on your lending process. You can contact us on our website through our quote form or call us today.

  • 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!

Details About Our Hard Money Loan Programs

5/5

Quick closing

Minimal doc collection

All investor loans (non-owner occupied)

No appraisals, credit or background checks

What Clients Say About Us!

FAQ's

A hard money loan is a type of short-term financing secured by the property’s value rather than the borrower’s creditworthiness. FlipCo Financial specializes in hard money loans for real estate investors, offering quick access to capital for property purchases and rehab. These loans are ideal for fix-and-flip projects, BRRRR strategy investments, and other short-term needs.

As a true asset-based lender, FlipCo Financial focuses on the property’s potential rather than your credit score. We provide flexible terms, faster funding, and a borrower-friendly approach, removing common pain points like lengthy underwriting processes, excessive due diligence requirements, and excessive deal delays.

Loan amounts are based on the property’s projected After Repair Value (ARV). FlipCo will lend up to 75% ARV. We follow industry standard underwriting guidelines, ensuring comparable properties (comps) are similar in size, type, and location. Our approach helps investors maximize their projects’ potential while managing risk.

Yes! As a true asset-based lender, we prioritize the asset over the borrower’s credit. Because of this, we do not have a credit score minimum or require a credit check as part of the application process. Although credit does not impact funding qualification with FlipCo, it can impact a borrower’s ability to get long-term financing if the exit strategy is to hold the property as a rental.

Yes! While experience can strengthen your application, we work with first-time investors and provide guidance throughout the process. Budgets larger than $60,000 will require additional review if a first-time investor.

FlipCo’s streamlined process allows us to fund loans within a matter of days. We move as fast as you do! Once your application is complete and approved, we work quickly to ensure you can close your deal without delay.

To apply, you’ll need to complete a loan application, submit your project budget in the FlipCo format, property photos, and purchase contract. If you do not choose to finance your rehab with FlipCo, we will still need to see your proposed SOW to understand the final product for accurate valuation. Our team reviews this information to ensure the project aligns with our lending criteria. Upon Underwriting Approval, final due diligence documents include entity documents, EOI, and Proof of Funds.

Borrowers can easily submit property photos through FlipCo’s online application portal or via email to their assigned account manager. We require clear photos of the property’s exterior, interior, and any areas requiring repair or renovation to support the underwriting process.

For property inspections, FlipCo accepts formal inspection reports from licensed inspectors, appraisers, or contractors. In some cases, detailed walkthrough videos or virtual inspections may also be accepted, provided they meet our underwriting requirements. Our team will guide you on what’s needed for your specific loan application.

Apart from the subject property, FlipCo requires the borrowing entity be registered and operating within the US as well as in good standing. Borrowers must provide proof of current liquid funds to meet calculated Minimum Reserves; this requires providing most recent bank statement and screenshot of current bank balance within 10 business days of closing. No active or pending judgements, liens, foreclosures, or bankruptcies personally or associated with a business entity.

FlipCo lends on residential, single-family homes and multi-family units. Property types include single family residence, duplex, triplex, quad. The property must be for investment purposes and cannot be owner-occupied and/or the borrower’s primary residence. Manufactured homes and shared wall units such as townhouses and condos are excluded.

FlipCo lends in several states and recently expanded to Ohio cities. Our states include Arkansas, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia. Check our website for a detailed list of states where we operate.

FlipCo can lend up to $1,000,000 per unit. FlipCo does not have a loan minimum. We do have an origination minimum of $2,500. 

How does FlipCo handle draw requests for rehab projects?
FlipCo issues reimbursements through draw requests once work is completed and paid. While there’s no required timeline for draw submissions, we encourage borrowers to submit within the first 30 days to keep their projects on track. To make a draw request, visit: FlipCo Rehab Draw Request – FlipCo Financial

Absolutely! FlipCo provides guidance to make the transition seamless with our in-house DSCR specialists!

FlipCo will only charge interest of funds drawn, not total committed. Your FlipCo quote will provide estimates on your minimum and maximum fully drawn interest payment for your review in assessing your potential carrying costs.

FlipCo offers short-term financing for 3- and 6-month terms. Extensions are available. Additional fees may apply.

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