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No Cost     No Obligation     24 Hour Approvals
Fix and Flip Loans without using
Hard Money Lenders
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Checking eligibility will not affect your credit score.
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No Cost     No Obligation     24 Hour Approvals
Fix and Flip Loans without using Hard Money Lenders
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Hard Money Lenders

Are You Eligible for Fix and Flip Loans without using Hard Money Lenders?


Our minimum qualification are less than those of banks. We’re focused on getting you approved so your business can thrive with Fix and Flip Loans without using Hard Money Lenders.

What is a hard money loan?

Real estate investing loans that secured by a “hard” asset, such as real estate is a hard money loan. You will find that hard money lenders come with higher interest loan rates frequently between 8% to 14% and have shorter terms around twelve months. They are often issues in days to weeks. While credit and income are considerations, they are not a top priority in determining eligibility. This money lending is from private individuals or smaller companies and not by traditional banks.

Private Lenders

These lenders offer private money and are sometimes indistinguishable from the hard money lender. Both the private and hard money lender will provide loans based on the residential real estate or asset. One difference is more reliance on traditional factors such as credit score, proof of funds, and income by the private lender. These lenders are not traditional banks and these are not commercial loans. The big advantage with these lenders is the speed to funding, and they will allow for rehab loans. They also offer scalability that hard money lenders don’t provide. Banks limit the number to ten properties while the private lender can grow with you aggressively.

Banks and Mortgage

Local lenders like banks are usually the first place the real estate investor will visit or think about when it comes to loans for real estate. The banks and traditional lenders can offer the lowest rates. However, with bank loans there are more stipulations and regulations. They tend to be the most restrictive, and the paperwork can take 60 days or more before approval. There will be more verification of income and employment which may present challenges for the self-employed.

Fix and Flip Loans without Using Hard Money Lenders

  • Fix & Flip Loans

    Rates starting as low as 


    Up to 90% Loan to Cost 

  • Rental Loans

    Rates starting as low as 


    Up to 80% LTV value of the property

Fix and Flip Loan Programs

What Financing Options Are Available?

Hard Money Lenders

Private Lenders

Banks and Mortgages

Work with a Nationwide Direct Lender
Close in 10 days or LESS on Fix and Flip!


  • Pre-approved

    Even without a property get pre-approved

  • Free

    That’s right! No Cost!

  • Upfront

    Get rates and terms in writing – UPFRONT

  • Once

    Get approved Once.  Receive lightning fast approvals on all your investment property.

  • $100K to $5M

    From $100K to $5M approved today!


Whether you fix and flip or invest in long term rental properties, you need financing.  There are different types of lenders, and pros and cons with each source providing different options.


Are you an experienced investor looking to buy properties? Are you looking to find private money lenders real estate?

Are you able to fix them up and sell or flip them within 12 months?

Do you have a FICO score of at least 600?


  • Get between $75,000 to $2M to grow and expand your real estate portfolio.
  • Get up to ninety percent of the purchase and rehab costs
  • Get up to 12 months financing
  • Get a straightforward no hassle application process
  • Get your fix and flip loans with no pre-payment penalty
  • Get a loan as little as $50K if you’re a qualified investor

Perfect fix and flip financing for these property types:

  • Single family residence
  • 2 – 4 unit properties
  • Condos
  • Townhomes

Are you wondering how to get money to flip a house? Are you asking what the rates for financing for flipping houses are? These are NOT 100 % fix and flip loans or 100 percent hard money loans. We are also NOT hard money lenders without credit check.

The individual property, and you as the borrower will determine the rate. Rates can range from 7.19% to 12.9%.

What are the minimum or maximum amounts to borrow?
The minimum loan is $50K with a maximum fix and flip loan of up to $2M. This loan amount includes both the purchase as well as the repair costs.

We offer the loans nationwide except AK, AZ, HI, NV, ND, OR, SD, UT, and VT.


Are these fix and flip loans bad credit?
Our minimum FICO score is 600.

Do I need a fix and flip business plan?
Unlike the banks, we consider your real estate experience. Here is what you will need to supply for approval.

  • Sales Agreement – the purchase price
  • Your budget for construction
  • Most recent two months’ business bank statements – checking accounts and savings accounts
  • Give us your list of currently owned residential property and commercial properties (an REO Schedule)
  • Last two years’ tax returns
  • Either your LLC Operating Agreement or your Articles of Corporations

Fix and Flip Funding for citizens of:

  • U.S.
  • Canada
  • Permanent Resident Aliens

Must be for residential and commercial and real estate projects and investment use only and NOT owner occupied. No prepayment penalties.

These Fix and Flip loan approvals are subject to business and investor credit approval, location, appraisal fee and other underwriting requirements.

Rental Loans without Using Hard Money Lenders

Do you have a rental portfolio that you are looking to grow or expand? How about securing a 30-year rental loan with a fixed rate starting at 6.49% or 3, 5 and 7 year ARMS with rates as low as 5.89%

These loans are perfect for:

  • Single family residence
  • 2 – 4 unit properties – LTV ratios must not exceed 80%
  • Planned Unit Developments
  • Townhouse
  • Not to exceed 10 acres
  • We do not allow Non-warrantable condominiums
  • Fannie Mae requires loan to value below 70% on warrantable condos

Loans start at $75,000 up to $2M

We offer the loans nationwide except: AK, AZ, HI, NV, ND, OR, SD, UT and VT.

Are these bad credit loans?
FICO score minimum 620 (ask us for more details)




Are you a savvy investor even if you do not have a business law degree? Are you looking for a way to capitalize on the burgeoning rental property market? Would you like to get cash out of your recently funded rental properties with great fixed rates loans with up to 80% LTV?

Loans from $75,000 to $2M –

Do you need to consolidate your high interest loans? Do you want a single mortgage payment? This is the perfect loan to lower your blended rate. No personal income verification means that the decisions are made on the property cash flow. Fast and easy application process for your buy and hold strategy.

Apply now to find out how easy it is to get cash out of your properties. There is no W2 required. Remember you need a 620 FICO score. Foreign Nationals are OK. There is no Debt Service Coverage Ratio. There is a pre-payment penalty – 80% of six months’ interest in the first three years.

What is required?

  • Loan Application
  • Most recent 2 months’ bank statements (or the most recent quarterly statement)
  • List of currently owned properties (a REO Schedule)
  • Tax Returns NOT Required
  • All Lease(s)
  • Certification of Business Purpose/Non-Owner Occupied Affidavit
  • Sales Agreement (on purchase)
  • LLC Operating Agreement or Articles of Corporations
  • Driver’s License
  • There may be other requirement/documentation based on borrower’s situation and collateral.

Apply Now. It’s as easy as 1, 2, 3!

  • 01

    Choose a loan type

  • 02

    Apply in Minutes

  • 03

    A dedicated loan specialist will contact you.



APPLY NOW OR CALL 888.456.9223

Sunwise Capital