I Am Preparing to Flip a House. Who… AI recommendations | Parse
I am preparing to flip a house. Who offers hard money loans?
Data as of Sep 24, 2026 · Based on 298 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
Easy Street Capital is a strong starting choice for flipping a house — it appears most often as a national fix‑and‑flip and bridge lender. Kiavi and Lima One are also commonly recommended national options; compare rates, LTV, and local availability before deciding.
Good fit if you need fast, technology‑driven national funding for fix‑and‑flip deals; sources note competitive rates and high LTVs (often near 90%). Tradeoff: prioritize speed and tech convenience over custom local underwriting.
Best when you want a national fix‑and‑flip or bridge lender: cited repeatedly as a specialized institutional option. Tradeoff: expect typical hard‑money costs and short loan terms, so compare rates and fees.
Best for investors seeking a lender focused on fix‑and‑flip and investor products; repeatedly named for fix‑and‑flip financing. Caveat: program terms and closing speed vary by product — verify specifics for your deal.
Using Hard Money Loans for House Flipping: The Pros and ...https://www.anchorloans.com/blog/using-hard-money-loans-for-house-flipping-the-pros-and-cons
3%
Compare hard money loans with 100% financing - Navhttps://www.nav.com/blog/hard-money-loans-100-financing-319467/
3%
Hard Money Fix & Flip Loans for Real Estate Investorshttps://easystreetcap.com/easyfix/
3%
Best Hard Money Lenders: Our Top Pickshttps://www.forbes.com/advisor/mortgages/real-estate/best-hard-money-lenders/
3%
Funding Your Fix and Flip with Hard Moneyhttps://www.kiavi.com/blog/funding-your-fix-and-flip-with-hard-money
2%
Best Hard Money Lenders for 2026 + Hard Loans Explainedhttps://www.housingwire.com/articles/best-hard-money-lenders/
2%
Loans for flipping houses: 11 financing options to know now | Rocket Mortgagehttps://www.rocketmortgage.com/learn/loans-for-flipping-houses
1%
Hard Money Lenders | Hard Money Offershttps://hardmoneyoffers.com/lenders
1%
Fix & Flip Loans For Real Estate Investors - Asset Based Lendinghttps://www.ablfunding.com/loan-programs/fix-flip/
1%
Fix and Flip Loans for Investors | Hard Money Lenderhttps://stormfieldcapital.com/loan-programs/fix-and-flip/
1%
Question: I am preparing to flip a house. Who offers hard money loans?
CHM Lending - 2211 Medina Rd Ste 125, Medina, OH 44256, United States
Simmcap - Cleveland, OH 44124
If you’re flipping in the Cleveland/Northeast Ohio area, there are several hard-money/private lenders worth getting quotes from. Current advertised programs vary considerably by deal, experience, ARV, and leverage.
Lenders to contact
Lima One Capital — National investor lender with Ohio fix-and-flip financing. Its Ohio program includes fix-and-flip, rental, construction, and multifamily bridge loans.
HomeFund — Cleveland/Ohio private lender focused specifically on non-owner-occupied investment properties. Advertises purchase + rehab financing, typically up to $500K and up to 70% of ARV.
Casa Lending — Cleveland-based private lender offering hard-money rehab/fix-and-flip loans for 1–4 unit investment properties.
Ridge Street Capital — Advertises Cleveland fix-and-flip loans around 10.5%–11.5%, with examples involving purchase plus rehab financing. Its published example was 90% of purchase + 100% of rehab for an experienced investor.
DayOne Private Capital — Ohio-wide fix-and-flip lender advertising rates starting around 9.9%, 1–3 points, 6–12 month terms, and up to 100% of purchase/rehab costs for qualifying experienced operators, subject to an ARV limitation.
B-Line Capital — Offers Cleveland fix-and-flip financing, advertising up to 95% LTC and 75% ARV, with individual property loans from $300K to $10M.
What I'd compare
Don't just compare the interest rate. Ask every lender for the same five numbers:
Maximum loan amount — based on purchase price, total cost, and/or ARV.
Interest rate — and whether interest is charged on the full commitment or only drawn funds.
Points/origination fee.
Rehab funding — how much is funded and whether it's reimbursed through draws.
All other fees + prepayment penalty — appraisal, underwriting, inspection/draw fees, legal/title, extension fees, etc.
For a flip, the ARV and total project cost are particularly important because a lender can advertise "90% financing" while still leaving you with a substantial cash requirement.
If you give me the purchase price, estimated rehab cost, expected ARV, your credit score, and whether you've flipped houses before, I can run the numbers and show you how much cash you'd likely need and what a hard-money loan would cost.
Hard money loans are offered by private, non-bank lending companies and high-net-worth individual investors rather than traditional neighborhood banks or credit unions. These asset-based lenders focus primarily on the value of the property and your exit strategy (selling or refinancing) rather than strict personal income verification.
Top National Hard Money Lenders
Anchor Loans : Best known for high-leverage fix-and-flip financing and fast turnaround times for experienced real estate investors.
Kiavi : Popular national digital lender specializing in streamlined, data-driven short-term fix-and-flip loans.
Easy Street Capital : Highly rated for residential investment properties, offering flexible 6-to-18-month fix-and-flip structures with quick draw processes.
Constitution Lending : Frequently recommended for first-time or newer investors looking for guidance and scalable fix-and-flip options.
Local Private Lenders : Smaller, regional private lending funds or local real estate investor meetups (REIA) often provide more personalized terms than national giants.
Typical Loan Terms & Requirements
Metric
Standard Range / Expectation
Loan Term
6 to 18 months
Interest Rates
8% to 15% (higher than conventional mortgages)
Down Payment (LTC)
10% to 25% of purchase + rehab costs
Approval Focus
Property ARV (After Repair Value) & experience
Closing Speed
24 hours to 10 days
If you'd like to narrow this down, let me know:
Your level of experience (Is this your first flip?)
The state or region where the property is located
Estimated purchase price and rehab budget
I can help you pinpoint which lender fits your specific profile best.
When you are looking to finance a house flip, hard money (or private bridge) loans are typically provided by private lending companies, boutique local firms, and tech-enabled national lenders rather than traditional high-street banks.
Here are the top nationwide and regional hard money lenders, categorized by what they do best:
LendingOne — Best overall for scalable investing, offering reliable fix-and-flip programs with predictable draw schedules and structured terms.
Lima One Capital — Great for both experienced and emerging real estate investors, specializing heavily in fix-and-flip, new construction, and rental portfolio loans.
Kiavi — Best for tech-enabled, fast-moving investors. They offer an online platform that streamlines applications, property valuations, and draw requests.
RCN Capital — Ideal for short-term bridge and fix-and-flip financing, with a tiered pricing model that rewards active and repeat investors.
Local and Regional Private Lenders — Often found via local real estate investor associations (REIA) or mortgage brokers. Local hard money lenders are frequently preferred because they possess deep knowledge of neighborhood-level After Repair Value (ARV) and can sometimes move even faster than national institutions.
If you'd like to narrow down your options, tell me:
What is the state or market where the property is located?
Is this your first house flip or do you have past experience?
Do you already have a contractor and a detailed rehab budget ready?
FasterFunds Lending | Hard Money Lending for St. Louis, MO Area - 830 Waterbury Falls Dr #201, O'Fallon, MO 63368, United States
One West Hard Money Lender St. Louis - 12095 Manchester Rd Ste. 2A, St. Louis, MO 63131, United States
Renovo Financial - 231 S Bemiston Ave #800, St. Louis, MO 63105, United States
One West - 12095 Manchester Rd, Ste 2A, St. Louis, MO 63131
Miner Capital Funding LLC - 231 S Bemiston Ave Ste 800-96, Clayton, MO 63105, United States
House Sold Easy - 1750 S Brentwood Blvd Ste 503, St. Louis, MO 63144, United States
Brennan Anderson MLO - 111 W Port Plaza Dr #130, St. Louis, MO 63146, United States
One West Associates - 4515 Maryland Ave, Ste 1W, Saint Louis, MO 63108
Revolve Homebuyer - 3965 Park Ave, St. Louis, MO 63110, United States
If you're flipping a house in the St. Louis area, there are several hard-money lenders worth contacting. I’d compare at least 3–4 because the differences in points, interest, leverage, and rehab funding can materially change your profit.
St. Louis-area lenders
FasterFunds Lending | Hard Money Lending for St. Louis, MO Area — Focuses on St. Louis-area investors and specifically fix-and-flip projects. Their published program currently shows 12% interest, 3 points, up to 100% of purchase + rehab costs, capped at 75% of ARV, with 6-month interest-only terms.
One West Hard Money Lender St. Louis — Fix-and-flip financing of up to 90% of purchase price plus 100% of renovation costs, subject to a 75% ARV cap. Published loan amounts are $50K–$2M, with 12-month terms.
Renovo Financial — Private real-estate lender with a St. Louis office, focused on investor financing.
— Missouri-focused private lender offering hard-money and rehab financing for investment properties.
There are also national lenders such as Lima One Capital, Kiavi, RCN Capital, and New Silver that currently advertise fix-and-flip programs serving St. Louis.
What I'd compare
For a flip, don't just compare the interest rate. Ask every lender for:
Maximum loan-to-cost (LTC)
Maximum loan-to-ARV
Interest rate
Origination points
Whether interest is charged on the full commitment or drawn balance
How rehab draws work
Minimum borrower cash required
Term and extension fees
Prepayment penalty
Minimum credit score/experience requirements
Closing costs and lender/legal/title fees
If you give me the purchase price, estimated rehab cost, expected ARV, and whether this is in St. Louis City, County, or elsewhere, I can run the numbers and show you what a hard-money loan would likely look like—including cash needed at closing, monthly interest, lender fees, and your approximate profit.
For comparison, current advertised Philly-area programs range roughly from 9%+ interest, with leverage and fees varying substantially by deal.
If you give me the purchase price, estimated rehab cost, ARV, and your down payment, I can compare likely financing structures and show you what the flip would need to sell for to make sense.
When you are looking to finance a house flip, you can choose between major national private lenders (who offer streamlined, tech-enabled processes and reliable funding) or local/regional hard money lenders (who rely heavily on local market knowledge and personal relationships).
Top options for fix-and-flip financing include:
Kiavi — Widely recognized as a top choice for fix-and-flips due to its tech-enabled, fast application and funding process.
Easy Street Capital — Great for residential investment properties, offering flexible fix-and-flip programs (like EasyFix) with competitive leverage and fast draw processes.
LendingOne — Known as a strong overall national lender for scalable real estate investing with robust fix-and-flip terms.
RCN Capital — Excellent for short-term bridge and fix-and-flip loans, offering tiered pricing structures that reward active investors.
Anchor Loans — Popular for high-leverage deals and speed, catering heavily to experienced residential flippers.
Local and Regional Private Lenders — Search for boutique hard money lenders or real estate investor (REI) clubs in your specific target market. Local lenders often understand neighborhood ARV (After Repair Value) better and can close quickly based on local reputation.
To help narrow down the best lender for your project, let me know:
What is your experience level (first-time flipper vs. multiple completed projects)?
What is the estimated purchase price and rehab budget?
When you are looking to finance a house flip, hard money loans (also called private money or bridge loans) are typically provided by private lending companies rather than traditional retail banks. These lenders focus primarily on the value of the property and your exit strategy rather than just your personal W-2 income.
National, regional, and local options offer fix-and-flip financing:
National Private Lenders (Large-Scale & Tech-Enabled)
Kiavi : Known for a fast, tech-enabled online application and quick closing process, popular among both new and experienced residential flippers.
LendingOne : Highly rated for scalable real estate investing, offering reliable draw schedules for rehab budgets and competitive terms.
Lima One Capital : Offers specialized fix-and-flip programs alongside rental and new construction financing.
RCN Capital : Great for short-term bridge and fix-and-flip loans, working both directly with borrowers and through a strong broker network.
Easy Street Capital : Specializes in residential investment loans (including small multi-family properties) with flexible leverage and fast turnarounds.
Local and Regional Hard Money Lenders
Smaller, localized private lenders operate in specific states or cities. They often have an edge in fast local market valuations, customized service, and networking with local contractors or real estate meetups. Search for private lenders specific to your target state or metro area.
Local Real Estate Investor (REI) Networks
Local networking groups, real estate investment associations (REIA), and local real estate brokers often connect borrowers with high-net-worth private individuals or local syndicates who fund flips informally.
To help narrow down which lender fits best, let me know:
What is the state/city of the property?
Is this your first house flip , or do you have prior experience?
Roughly how much capital/liquidity do you have for the down payment and reserves?
T&M Commercial Funding - 134 Main St 5th Floor, Lewiston, ME 04240, United States
Select Realty Capital - 183 Middle St Ste 201, Portland, ME 04101, United States
Maine Mortgage Solutions LLC - 114 Holmes Rd, Scarborough, ME 04074, United States
T&M Commercial - 259 Minot Ave, Auburn, ME 04210
Northeastern Financial - 170 US-1, Falmouth, ME 04105, United States
Stephen Georges - Maine Mortgage - 114 Holmes Rd, Scarborough, ME 04074
Kristeen Smith - Maine Mortgage Specialist - 10 Donald B Dean Dr Ste 2, South Portland, ME 04106, United States
Universal Capital - 40 Pleasant St, Portsmouth, NH 03801, United States
Maine Capital Group - 366 US Route 1, Falmouth, ME 04105
Lincoln Capital - 796 Forest Ave, Portland, ME 04103
Cornerstone Commercial Capital Inc. - 68 Sagamore St, Manchester, NH 03104, United States
Travis Penny | Vision Mortgage - 352 Warren Ave Ste 6, Portland, ME 04103, United States
If you're flipping a house in Maine, there are several hard-money/private lenders worth getting quotes from. Hard-money loans are typically short-term, asset-based loans where the property and your deal—purchase price, rehab budget, and expected after-repair value (ARV)—matter more than conventional income underwriting.
Maine / New England lenders to contact
T&M Commercial Funding — Maine-based direct hard-money lender. They specifically finance non-owner-occupied residential investment properties and fix-and-flip projects.
Select Realty Capital — Portland-based lender that works with real-estate investors, including fix-and-flip projects.
Revelry Investments — Maine-based hard-money lender offering collateral-based loans. Its published terms currently start at 12.75% for six months plus 3 points, with no credit check advertised.
ABL Funding — Lends throughout Maine and offers fix-and-flip loans. It advertises up to 85% of purchase price plus 100% of rehab costs on its stated program, with interest-only terms.
Lima One Capital — National private lender with a Maine fix-and-flip program, including purchase/rehab financing and construction draws.
What I'd compare
Don't compare these solely on the interest rate. Ask each lender for a written term sheet showing:
Interest rate
Origination points
Maximum loan-to-cost (LTC)
Maximum loan-to-ARV
How much of the rehab they fund
Whether rehab money is reimbursed through draws
Minimum borrower cash required
Appraisal requirements
Inspection/draw fees
Prepayment penalty
Extension fees if the house doesn't sell on schedule
Expected closing time
For example, a lender offering 9% with 3 points and a bunch of draw/extension fees could ultimately be more expensive than a 10% loan with 1 point and no prepayment penalty.
If you give me the purchase price, estimated rehab cost, expected ARV, and whether this is your first flip, I can run the numbers and show you roughly how much cash you'd need at closing and what the hard-money financing would cost.
Kayak Capital - 7137 E Rancho Vista Dr, Scottsdale, AZ 85251, United States
Clear Mortgage - 9399 S Priest Dr, Tempe, AZ 85284, United States
Prime Plus Mortgages - Phoenix Hard Money Loans - 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251, United States
Hard Money Lenders Arizona - 2 N Central Ave Suite 1800, Phoenix, AZ 85004, United States
Boomerang Capital Partners - 2152 S Vineyard STE 105, Mesa, AZ 85210, United States
HD Lending - Arizona Hard Money Loans Company - 4435 E Chandler Blvd Ste 200 Room 209, Phoenix, AZ 85048, United States
LM2 Investment Group - 9160 E Bahia Dr #105, Scottsdale, AZ 85260, United States
Hanson Capital - 4800 N Scottsdale Rd Ste 4300A, Scottsdale, AZ 85251, United States
LVX Capital - 7652 E Greenway Rd Ste 103, Scottsdale, AZ 85260, United States
MJI Capital - 15333 N Pima Rd Unit 245, Scottsdale, AZ 85260, United States
B.E. Lending - 1 N 1st St Ste 755, Phoenix, AZ 85004, United States
Brad Loans by eMortgage Inc. - 6011, 7522 E McDonald Dr C, Scottsdale, AZ 85250, United States
Klinkloans Fund - Loans for Real Estate Investors - 1094 S Gilbert Rd Ste 210, Gilbert, AZ 85296, United States
If you're flipping a house in the Phoenix/Arizona market, you have quite a few hard-money options. I’d compare at least 3–5 lenders before committing because the headline interest rate isn't the whole cost—points, draw fees, appraisal fees, extension fees, and the amount they’ll finance for rehab can materially change your profit.
Phoenix-area lenders worth calling
Kayak Capital — Scottsdale-based private lender focused on investment properties and fix-and-flips. They advertise asset-based underwriting and fast approvals.
Clear Mortgage — Tempe-based direct lender offering acquisition, rehab/fix-and-flip, bridge and construction financing. They advertise 3–7 business-day closings on complete files.
Prime Plus Mortgages - Phoenix Hard Money Loans — Scottsdale lender offering fix-and-flip and other investor loans throughout Arizona. They advertise asset-based financing and up to 90% LTV on certain programs.
— Phoenix-based lender specifically offering fix-and-flip financing; its published program says it can finance up to 90% of purchase and renovation costs in qualifying deals.
There are also national lenders such as Lima One Capital, Kiavi, RCN Capital and New Silver competing in Phoenix. A current Phoenix comparison shows advertised starting rates roughly around 9%–10%+, with maximum leverage varying considerably by lender and deal. Treat those as starting points, not quotes.
What I'd compare
For a flip, I'd ask every lender for these seven numbers:
Interest rate
Origination points
Maximum loan-to-cost (LTC)
Maximum loan-to-after-repair-value (LTARV)
How much of the rehab they finance
Draw/inspection fees and timing
Extension and prepayment fees
For example, a lender charging 10% with 1 point can potentially be cheaper than one charging 9% with 3 points and expensive draw/processing fees.
If you give me the purchase price, estimated rehab cost, ARV (after-repair value), and your approximate cash available, I can run the flip financing numbers and tell you what type of hard-money loan I'd target—and roughly how much cash you'd need to bring to closing.
Hard money loans for house flipping are funded by private institutions, boutique regional companies, and peer-to-peer lenders rather than traditional retail banks. Because they focus primarily on the value of the property and the profit potential (After Repair Value or ARV) rather than your personal W-2 income, approval is much faster.
Top national hard money lenders and types of funding sources available for your flip include:
Top National Hard Money Lenders
LendingOne : Frequently ranked as a top overall choice for fix-and-flip loans, offering scalable options and structured terms for real estate investors.
Kiavi : Known for a streamlined, tech-enabled platform that makes the application and draw process fast for active investors.
RCN Capital : Specializes in short-term bridge loans, fix-and-flip financing, and competitive asset-based lending.
Lima One Capital : Tailors programs specifically for residential real estate investors doing fix-and-flips or building rental portfolios.
Easy Street Capital : Provides specialized fix-and-flip programs featuring quick closing windows and flexible rehab draw schedules.
Other Places to Find Hard Money
Local/Regional Private Lenders: Search for boutique asset-based lenders in your specific state or city. They often know local property values and neighborhood nuances better than national giants.
Real Estate Investor (REI) Meetups: Local REIA groups or networking events are goldmines for finding direct private money lenders or syndicators who fund local deals.
Mortgage Brokers: A commercial or investment-focused mortgage broker can shop your deal across dozens of wholesale hard money lenders simultaneously to find the best interest rate and leverage (Loan-to-Cost).
To help narrow down which lender fits your situation best, tell me:
What state/market is the property in?
Is this your first house flip , or do you have past experience?
Roughly what percentage of the purchase and rehab costs do you need financed?
Westre Financial Group — A particularly local option. They advertise 100% of purchase price, 2 points, and 1% monthly interest for the first six months. They require borrowers to have funds available for the rehab rather than financing the rehab themselves.
Brickvane Capital — St. Louis-focused private lender offering fix-and-flip, bridge, and rental/portfolio financing; they say many deals fund in under two weeks.
Easy Street Capital — Offers Maine hard-money fix-and-flip loans; its published Maine terms currently start at 8.90% and 0–2 points, with financing potentially covering purchase and renovation.
Dominion Financial — Offers Maine fix-and-flip financing and currently advertises up to 100% of purchase and rehab costs, subject to a 70% ARV cap.
Mayflower Venture Partners — Direct lender covering Maine and the other New England states for 1–4 unit non-owner-occupied flips; it advertises roughly 80–90% acquisition financing and up to 100% of renovation costs.
Hard Money Lenders Arizona
Boomerang Capital Partners — Mesa-based private lender focused on residential value-add/fix-and-flip projects and short-term acquisition financing.
Lima One Capital - 600 Superior Ave E, Ste 1300, Fifth Third Bldg, Cleveland, OH 44114
Casa Lending - 1300 E 9th St Ste 801, Cleveland, OH 44114, United States
Upright - 1300 E 9th St Ste 800, Cleveland, OH 44114, United States
