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How to secure a great fix and flip loan


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Fix and Flip Loans | Valor Lending Group

Are you interested in one of our fix and flip loans?

Valor Lending Group has multiple sources to help you acquire the best loan around!




Construction loan options HERE


What Are Fix and Flip Loans? 

Valor Fix and Flip loans are hard money loans used to purchase and rehab a property, and then resell it at a higher value. The Fix and Flip lending market has been quite frothy the past few months.  If you are an experienced flipper, you may notice that your old lender of choice has increased rates, decreased LTVs, and in some cases quit funding altogether. For first-timers, the market has become substantially hard to break into.

No need to worry, however! We have seen a resurgence in fix and flip lending in the past week and are pleased to announce we are funding in 42 states again, and multiple lenders are doing up to 90/100 (90% of the purchase and 100% of rehab) with rates in the high 9’s*.

These loans do not require tax returns, income/employment, or debt-to-income ratio calculations.

How many houses can you flip in a year?

How many houses you can flip in a year depends on your finances and availability of homes in the area you are interested in. On average real estate investors flip between 2 to 7 properties a year, that doesn’t mean that you can’t flip more or less. It all depends on your capabilities, experience and time availability.

Fix and Flip Loan Highlights:

  • Up to 90/100 (Purchase/Rehab)
  • 12 to 24 month terms
  • Loan amounts up to $10MM
  • No Prepayment Penalty
  • Interest starting in the high 9’s*

Needs for Quote:

  1. Property Address
  2. Purchase Price (for Purchase):
  3. “As is” Value
  4. After Repair Value
  5. Current Balance (for Refinance):
  6. Rehab Budget & Detailed Cost Breakdown
  7. Project Experience as a Sponsor
  8. Approximate Credit Score
  9. Vesting in and Entity or Individual name

Ground Up Construction Highlights:

  • Up to 90% LTC
  • Max Loan Up to $20 Million
  • Flexible Guidelines
  • 12 to 24 month Interest Only Interest Rates
  • Valor boasts the very best communication, service, rates and performance in the industry
  • Valor ensures the very best pricing by shopping with many direct lenders so you don’t have to!
Other Programs Available:

Call or email me for immediate attention to your scenario!

Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.

Valor Lending Group offers every mortgage loan in the book!

Please do not hesitate to call on me for any scenarios.

I look forward to an opportunity to demonstrate my prompt and professional service.

Recap of our Loan Products
  1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
  2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
  3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
  4. Valor VA Home Loan 100% financing up to $1.5MM
  5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
  6. Flipper & Rehab Loans (Flip a property with one of our many options)
  7. 2nd Position Loans up to $5mm
  8. Raw Land & Lot Loans
  9. Ground up Construction for spec homes, custom homes and commercial ground up.
  10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
  11. 10% down Jumbo’s up to $1.5mm
  12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
  13. Acreage Properties
  14. Commercial Loans up to $500mm
  15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
  16. Foreign Nationals Loans (no social security or residency required)
We Also Offer:
  1. Conventional Conforming Loans
  2. High Balance Conforming
  3. Jumbo Loan Financing | 10% down Jumbo to $1.5mm
  4. FHA, USDA
  5. Reverse mortgages up to $1 Million Value
  6. Cash Out Refinancing

**Rates and terms subject to change without notice

We are never too busy for your referrals!

For the most up to date mortgage news visit: Mortgage News Daily

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  • Visit our homepage to check out what Valor Lending Group has to offer

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