Hard money lending for house flipping

(National lender)

Specializes in fix-and-flip financing, including purchase and renovation funding. Worth comparing if you want an online application and a streamlined process.

Website:kiavi.com

2. RCN Capital

Offers short-term investment-property loans, including fix-and-flip financing. Compare its renovation funding limits and repayment terms.

Website:rcncapital.com

3. Lima One Capital

Offers investor financing for property flips and rentals. A useful option to compare for larger projects or if you plan to build a repeatable flipping business.

Website:limaone.com

4. New Funding Resources

Gaithersburg, Maryland · DMV region

A local private lender offering hard money financing for real estate investors. Worth contacting if your property is in DC, Maryland, or Virginia.

Phone: 240-541-5614

5. Restoration Capital

Fairfax, Virginia

Focuses on real estate investor financing, including purchase-and-rehab loans and rental-property refinancing.

Phone: 800-877-0883

6. Property Flip Loan

Annapolis, Maryland · DC/MD/VA

A boutique lender focused on investor loans, including property flips and renovation funding.

Phone: 443-684-7997

The national options are identified in recent fix-and-flip lender comparisons; the local options were found in a DC-area business search. Confirm that each lender currently serves your property location and ask for a written quote.www.housingwire.com+4

What will a hard money loan cost?

As a rough planning guide, hard money fix-and-flip loans commonly have:

These are indicative market ranges, not offers from the lenders above. Your rate and required cash depend on the property, your experience, credit profile, and leverage.hardmoneyfacts.com+1

Important: Ask whether the lender finances a percentage of the purchase price, the total project cost, or the after-repair value (ARV). Those are different calculations and can significantly change how much cash you need.

Let's narrow it down to the right lender

I can help you identify lenders that fit your specific flip. What state will the property be in?

1. Property location

Washington, DC

Maryland

Virginia

Another state

2. Is this your first house flip?

Yes, my first flip

I've completed 1–3 flips

I've completed 4 or more

3. Expected purchase price

Under $200,000

$200,000–$350,000

$350,000–$600,000

Over $600,000

4. Estimated renovation budget

Under $25,000

$25,000–$75,000

$75,000–$150,000

Over $150,000

5. What do you need financed?

Purchase price only

Purchase and renovation

Refinance an existing property

[Find lenders for my flip]

One other route worth considering

Capital Kings is a broker rather than a direct lender. It says it shops a deal across 400+ lenders and currently advertises Massachusetts flip programs starting around 8.99%, with 100% of rehab funded through draws. That can be useful for getting multiple competing offers without contacting dozens of lenders yourself.capitalkings.co+1

What I'd send lenders

To get meaningful quotes quickly, prepare:

1. Purchase price
2. Estimated renovation budget
3. Expected after-repair value (ARV)
4. Property type and number of units
5. Your proposed purchase/closing date
6. Expected renovation timeline
7. Your credit score
8. Number of previous flips
9. Cash available for the deal
10. Exit strategy — sale vs. refinance

Then ask each lender for the same scenario and request these numbers explicitly: interest rate, points/origination fee, maximum LTC/LTV/ARV, rehab funding percentage, draw timing/fees, term, extension fees, prepayment penalty, appraisal requirements, and minimum cash-to-close.

If you give me the purchase price, rehab budget, ARV, property location/type, and whether this is your first flip, I can run the financing math and show you what loan structure and approximate cash-to-close you'd be looking at.