Asset-Based Fix and Flip Loans for Bad Credit
True hard money to flip houses for investors with bad credit. Get financing without the limitations of your credit history. We do not run credit checks.
- 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
Flexible Loan Terms
Asset-based loan terms that do not require a credit check for approval.
| 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% to 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?
$100,000, but there are no minimum loan amount options.
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.
Do you work with foreign nationals?
Yes, we accept foreign nationals with an ITIN, foreign passport and business entity docs.
Can you get a fix and flip loan with bad credit?
Yes, there is no minimum credit score. We don’t check credit.
What’s the minimum down payment?
The minimum down payment is 15%.
Is there a prepayment penalty?
No prepayment penalty after 3 months.
Do you work with low credit scores?
These are fix-and-flip loans with no-credit-check, so investors with 500 and 600 credit scores are approved.
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.