How To Fund Your First Fix & Flip In 2026

Your first flip is equal parts exciting and terrifying. You found the deal, you can see the finished product, but there is one problem standing between you and the keys: money. Banks move slow and ask for everything. Hard money moves fast and cares about one thing — the deal.

Start With The Numbers, Not The House

Before you fall in love with the granite countertops you are going to install, you need to underwrite the deal like a lender does. That means understanding your After Repair Value (ARV), your purchase price, and your rehab budget down to the dollar.

• ARV — what the home is worth fully renovated, backed by real comps.
• Purchase price — what you are paying to acquire the property.
• Rehab budget — a line-item scope, not a guess.
• Carrying costs — interest, insurance, taxes, and utilities while you hold.

How Hard Money Actually Works

A hard money loan is asset-based. We lend against the value of the property, typically up to 90% of purchase and 100% of rehab, capped at around 70% of ARV. Rehab funds are released through a draw schedule as you complete the work.

“The best deals are the ones where the numbers work before you swing a single hammer. If it only works on paper after an optimistic ARV, it does not work.”

— Henry

Closing In 24 Hours

Because we underwrite the deal and not your tax returns, we can move at the speed of the market. Send us the address, your scope, and your comps — you can have terms same-day and funds at the table in as little as 24 hours.

Your first flip does not have to be a leap of faith. Underwrite it honestly, line up fast capital, and execute the scope. That is the whole game.