Fix and Flip Loans for Investors with Bad Credit
True asset-based loans for investors to flip houses without a credit check. Not everyone has a $100,000 credit limit or “Daddy’s Money”. Get financing without the limitations of your credit history.
- No appraisal
- No minimum credit score
- No experience required
Close in 5-7 days and get up to 85% LTC.
Loan Requirements for Flipping Houses with Bad Credit
Flexible loan requirements without any personal income verification or credit pull.
Property Types
1-4 unit residential properties, including single-family homes, townhomes, duplexes, triplexes, and quadplexes.
Minimum Loan Amount
$100,000+
Previous Experience
No previous experience is required unless you’re changing the number of bedrooms, expanding square footage, or need more than $75,000 rehab costs.
Max 70% ARV
The total project cost including the purchase price and rehab costs must be less than 70% ARV.
Required Documentation
A legally registered business is required to get funding.
- Signed Purchase Agreement
- Driver’s License or State ID
- Articles of Organization
- Operating Agreement
- EIN Letter
- 2 Months of Bank Statements
Minimum Down Payment
Minimum 15% down payment.
Eligible Locations
Alabama, Arkansas, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Ohio, South Carolina, Tennessee and Texas
See How Much You Qualify For
Fix and Flip Loan Terms
Flexible house flipping loan terms for private lenders with no credit check.
| Loan amount | Min $100,000 |
| Purchase financing | Up to 85% LTC |
| Rehab financing | Up to 100% |
| After-repair value | Up to 70% ARV |
| Interest rate | 11.99% |
| Loan terms | 6 or 12 months |
| Origination points | 3% – 4% |
Request a Loan Quote
- Secure up to 85% financing
- Get loan approval within 24 hours
- Close in 5-7 days
FAQs About Flipping Houses with Bad Credit
Get quick answers to common questions about rehab bridge loans.
What are your service areas
Alabama, Arkansas, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Ohio, South Carolina, Tennessee and Texas
What’s the minimum loan amount?
The minimum loan amount is $100,000.
How fast can you close?
You can close in 5-7 days. However, if title is open you can close in as little as 3 days.
Is flipping experience required?
No previous experience is required unless you’re changing the number of bedrooms, expanding square footage, or need more than $75,000 rehab costs.
Do you work with first-time investors?
Yes, new investors can get up to 85% financing with no credit check.
Do you work with foreign nationals?
Yes, as long as you have an ITIN, business entity docs, 12 months of bank account statements and a foreign passport.
Can you get a fix and flip loan with bad credit?
Yes, there is no minimum credit score.
What’s the minimum down payment?
The minimum down payment is 15%.
Is there a prepayment penalty?
There is no prepayment penalty after 3 months.
Is it hard to get a loan to flip a house?
No, as long as your purchase price and rehab costs are within 70% ARV.
Get Pre-Approval Today
Ready to move forward with your fix and flip project? Complete the form to request a personalized quote and secure the financing you need.
- No credit check
- No appraisal required
- Secure up to 85% LTC
- Close as fast as 5 days
Whether you’re a seasoned investor or flipping for the first time, having an experienced financial partner can make all the difference.