You see a property. We see potential.
If you plan to rehab a residential property and sell it within a short period of time, a fix and flip loan is what you need. At Hard Money Lenders IO we have a loan program that adapts to this situation and covers exactly what you need.
How we help our customers ?
At HML, we don’t just fund your fix & flip projects — we fuel them.
We move faster than banks. Smarter than algorithms. And with more conviction than anyone who’s never walked a distressed property on a 95° Florida day.
You bring the vision. We bring the velocity.
What we look forward to ?
Why Choose Us?
Lightning-Fast Approvals – Same-day decisions. Often within hours.
Up to 90% Purchase + 100% Rehab – So your capital stays fluid.
No Red Tape. No Nonsense. – We underwrite real deals, not resumes.
Local Florida Experts – We know this market. We know its flips & We know how to win.
The options real estate investors have
- A traditional bank loan, however they often face rejection for multiple reasons, the most common are: a bad credit score, a property in poor conditions, being a foreign national or not having an extensive investing background.
- The application for FHA financing, but fix and flip loans aren’t within their guidelines. In summary…
A hard money lender is the best go-to option for house flipping loans. Not only for the fast-closing but also because of the flexible terms you can work with.
We don’t want you to miss hot investment deals anymore
Some of the benefits you can expect from a fix and flip loan with us Competitive closing speed:
- Competitive closing speed
- Financing from $100,000 upwards
- No limit on the number of properties you want to invest in
- No prepay penalty
The type of fix and flip deals we can assist you with include but they’re not limited to
- Investors who don’t qualify for traditional financing
- Fully amortized loans
- Portfolio loans and multi-property loans
- Short sale purchase and rehab
- Foreign nationals
Overview of our Fix & Flip loan program
| Experience Level | Any |
| Credit Score | 600 |
| Interest Rate | 9% – 12%* |
| Points | 0% – 2% |
| Eligible For a 0-Point Option? | Yes |
| Advance Rate on Rehab or New Construction | 10% |
| Advance Rate on Current Value | 10% |
| Loan % to After Rehab Value | 75% |
| Property Types | Single Family, Multi-Family, Mixed-Use |
| Prepayment Penalty | No |
| Extension Available | Yes |
| Cross Collateral/ Blanket Loans | Yes |
| Loan Size | $100k-$5M |
| Loan Terms | 3 Months – 2 Years |
What our applying process looks like
Our applying process is simple, all you need to do is to fill up our Fix and Flip Loan Interest Short Form and we’ll get in touch with you to collect the required documentation and move forward to close the deal.
Every application is evaluated separately in detail to provide you total personalized attention and solutions to your situation. As for documentation, you can expect to submit only relevant and minimal paperwork since we direct our focus on the property deal.
When applying for house flipping loans the amounts will be based on the After Repair Value (ARV) of the property.
