Asset Based Fix and Flip Loans Up To 10 Residential Units

We provide asset based fix and flip loans private hard money up to 10 residential units to help investors achieve project success within 72 Hours.

We are the right hard money lenders to partner with.

Easy Asset Based Fix and Flip Loans Up To 10 Residential Units

Explore easy alternative financing options and hard money loans. No experience needed.

What is a hard money loan, and how does it work for real estate investors?

A hard money loan is a type of short-term financing secured by the property’s value rather than the borrower’s creditworthiness. We specialize 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.

What are the benefits of working with an asset-based lender?

A true asset-based lender, 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.

How does an asset based lender determine loan amounts for real estate investments?

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

Can I qualify for a loan if I have bad credit?

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, it can impact a borrower’s ability to get long-term financing if the exit strategy is to hold the property as a rental.

Can I qualify for a loan with limited experience in real estate investing?

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.

What is the typical timeline for funding an asset based hard money loan?

A streamlined process allows any asset based lender to fund loans within a matter of days. The lender like us moves as fast as you do! Once your application is complete and approved, we work quickly to ensure you can close your deal without delay.

What documents are required to apply for a fix-and-flip loan?

To apply, you’ll need to complete a loan application, submit your project budget, property photos, and purchase contract. If you do not choose to finance your rehab with us, 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.

What are your borrower requirements?

Apart from the subject property, an asset based lender 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.

What types of properties does an asset based lender lend on?

An asset based lender 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.

Can I refinance my fix-and-flip project into a DSCR loan?

Absolutely! Asset based lenders will provide guidance to make the transition seamless with our in-house DSCR specialists!

What are the asset based loan term options?

Asset based lenders offer short-term financing for 3- and 24-month terms. Extensions are available. Additional fees may apply.

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