Hard Money Henry

Fix & Flip Loans

Got a distressed property that a bank won't touch? That's exactly what I'm here for. I fund the acquisition and the renovation in one loan. Draws get released as work is completed so your project never stalls waiting on reimbursements. First flip or fiftieth — if the deal makes sense, I fund it.

Apply For Fix & Flip Funding
10%
Rates From
Up to 90%
Purchase
24 hrs
Close In
What Is A Fix & Flip Loan?

A fix and flip loan is short-term, asset-based financing built for investors who buy undervalued property, renovate it, and sell for a profit. Traditional banks move too slowly and shy away from distressed condition — by the time an underwriter says yes, the deal is gone. Hard money is built for the opposite: speed, flexibility, and a lender who understands the after-repair value (ARV) is what matters.

With Hard Money Henry, your purchase and rehab are financed together in a single loan. You bring a smaller amount to the table at closing, and renovation funds are held in reserve and released as draws when work is completed. That keeps your own capital free to take down the next deal instead of sitting in drywall and cabinets.

Because I'm a direct lender, you talk to the person who actually approves your loan. No committee, no layers, no 'let me check with my capital partner.' If the numbers work, you get a commitment letter — often within 24 hours — and you close fast enough to compete with cash buyers.

Why It Works

  • Financing for both acquisition and construction
  • When the deal is real, we move
  • Keep your project moving without cash-flow delays

Best For

  • First-time and seasoned flippers
  • Distressed or value-add properties
  • Investors who need acquisition and rehab in one loan

Rates & Terms

  • Rates from 10%
  • Up to 90% of purchase price
  • 100% of rehab funded
  • Points from 2
  • 6–18 month terms

Speed

  • Commitment letter in 24 hours
  • Close in as little as 24 hours
  • Rehab funds disbursed through construction draws

Collateral

  • 1st lien position
  • Single & multi-family
  • Non-owner occupied
The Process

How Fix & Flip Funding Works

  1. 01

    Send The Deal

    Share the address, purchase price, rehab budget, and your exit plan. Two minutes, no application fee, no obligation.

  2. 02

    Get Terms

    I underwrite on the deal and the ARV, not red tape. Expect a commitment letter — often the same day.

  3. 03

    Close & Draw

    Close in as little as 24 hours. Rehab funds release in draws as work is completed and inspected.

  4. 04

    Renovate & Exit

    Finish the project and sell or refinance. Roll your profit — and your relationship — straight into the next flip.

Proof Of Funding

Recent Fix & Flip Deals I've Funded

Real closings, real investors. Here are recent fix & flip projects funded with the same speed and terms waiting for your next deal.

  • Single family property in Richmond, VirginiaFix and Flip

    $192,628

    Richmond, VA

    Single Family

  • Single family home in New Hope, PA before renovationsFix and Flip

    $2,260,210

    New Hope, PA

    Single Family

  • Single family home in Portsmouth, VAFix and Flip

    $127,350

    Portsmouth, VA

    Single Family

See all closed loans
What You Need

Qualifying For A Fix & Flip Loan

I underwrite on the deal, not red tape. Here's what makes a fix & flip loan easy to approve.

Check If Your Deal Qualifies
  • A property with real value-add or ARV upside
  • A clear renovation budget and scope of work
  • A defined exit — resale or refinance
  • Down payment / skin in the game on the purchase
  • Entity (LLC) borrower — business-purpose only

Fix & Flip Loan FAQs

Do you fund first-time flippers?
Yes. First project or fiftieth — if the deal makes sense, I fund it. I focus on the viability of the deal, not just your track record.
How does the rehab draw process work?
Rehab funds are held and released in draws as work is completed and inspected, so you are never fronting the full renovation out of pocket. Draw inspections are fast so your crew keeps moving.
How much money do I need to bring to closing?
Typically you fund a portion of the purchase price (up to 90% financed) plus closing costs. 100% of the approved rehab budget is financed through draws. Exact figures depend on the deal and the ARV.
What is ARV and why does it matter?
ARV is the After-Repair Value — what the property is worth once renovations are complete. Fix and flip loans are sized against the ARV because that is the number that determines your profit and my collateral.
How fast can I actually close?
In as little as 24 hours once we have terms agreed and title is clear. Because there is no loan committee, speed comes down to how quickly documents and title come together.
Is there a prepayment penalty if I sell quickly?
No prepayment penalty on fix and flip loans. When your project sells, you pay off the loan and keep your profit — the faster you exit, the less interest you pay.
Other Programs

Explore More Loan Options

Ready To Fund Your Deal?

Tell me about your project and get a same-day answer. No application fee, no obligation, no nonsense.

Apply Today