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: 

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


Quick closing

Minimal doc collection

All investor loans (non-owner occupied)

No appraisals, credit or background checks

What Clients Say About Us!


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.

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.

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

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.

  • 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.

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