Fix & Flip Loan’s in Maryland
Need fast, flexible capital to buy, renovate, and sell? Property Flip Loan is a direct private lender serving Maryland, Washington, DC, and Virginia. We move quickly, fund 100% of the rehab budget, and keep underwriting simple so experienced and first-time investors can execute with confidence.
Why Investors Choose Property Flip Loan:
Speed: Streamlined underwriting and fast closings so you can win offers and start work.
Renovation-friendly: We fund 100% of the rehab budget with quick, hassle-free draws (often same-day).
Leverage that fits real deals: Typically up to the lesser of 65%–70% of ARV or 85% of LTC (deal- and market-dependent).
Short-term, project-based: Loan terms up to 12 months with no prepayment penalties.
Access over averages: No minimum credit score—we underwrite the deal, experience, and exit.
Local expertise: Focused on MD / DC / VA with real-world knowledge of neighborhoods and comps.
Business-purpose, non-owner-occupied properties only.
How Our Fix & Flip Loans Work
Deal Snapshot (fast pre-screen): Send the basics—address, purchase price, rehab budget, ARV estimate, and exit plan.
Term Sheet: We size the loan to project economics (ARV/LTC), confirm scope, and outline draw schedule.
Close & Fund: Close quickly; we allocate 100% of the rehab budget and the remainder to your purchase.
Renovate & Draws: Submit progress photos/invoices; we fund draws promptly so work never stalls.
Sell or Refi: Pay off at sale or refinance—no prepayment penalty.
Standard Terms Snapshot
Purpose: Fix & flip (Buy, Rehab, Sell)
Geography: Maryland, Washington, DC, Virginia
Term: Up to 12 months (extensions available)
Leverage: Up to lesser of 65%–70% of ARV or 85% of LTC
Rehab: 100% of budget funded
Prepay: No prepayment penalty
Credit: No minimum score
Structure: Typically 1st lien, interest-only monthly payments
Collateral: Non-owner-occupied residential (see below)
What We Look For (Underwriting Snapshot)
Comp-supported ARV: Clean, recent comps within a reasonable radius.
Clear scope & budget: Line-item rehab plan with realistic timelines.
Feasible exit: Planned sale price and/or refinance take-out (with lender identified for BRRRR if applicable).
Experience & team: Your track record and contractor bench (first-time flippers welcome with strong plan).
Skin-in-the-game: Cash to close and contingency reserves.
Risk controls: Proper insurance (builder’s risk or equivalent), permits as required.
Eligible Property Types
Single-family homes, townhomes/row homes
Small multi (2–4 units)
Condos case-by-case
Not eligible: Owner-occupied or consumer-purpose properties
Example: How the Numbers Can Work
ARV: $300,000
Max loan by ARV cap (65%): $195,000
Purchase: $140,000
Rehab budget: $45,000
Total project cost: $185,000
85% of LTC: $157,250
We lend the lesser of the two caps → $157,250 in this example.
Allocation at closing: we fund 100% of the $45,000 rehab, and the remaining $112,250 applies to the purchase price. Borrower brings the balance of the purchase and standard closing costs.
Draws & Construction Funding
100% of rehab funded
Simple draw requests with photos/invoices
Fast draw releases so crews keep moving
Documents We’ll Request
Purchase contract (or ownership docs if already owned)
Detailed scope of work & budget
ARV comps (if you have them—we’ll also review)
Entity documents & ID
Insurance (builder’s risk or equivalent) before closing
Fix and Flip - FAQs
Do you have a minimum credit score?
No. We focus on the deal, ARV, budget, and exit strategy.
How fast can you close?
We move quickly—often in days—once we have a complete file and clear title.
Do you fund 100% of rehab?
Yes. We fund 100% of the approved budget and release funds in draws as work is completed.
Is there a prepayment penalty?
No prepayment penalties on our fix & flip loans.
Do you lend outside MD/DC/VA?
Our focus is Maryland, DC, and Virginia. Tell us about your project—if it’s nearby, we may consider it.
Do you make consumer/homeowner loans?
No. We only lend for business-purpose, investment properties (non-owner-occupied).