Home / House flipping loans
House flipping loans: your options
The main ways investors finance a flip, and when each one makes sense.
Get my termsDallas hard money lenderSee your terms in seconds
Your loan amount shows as you type. Send the deal and a loan officer follows up.
Estimate only. Loan amount is the lower of 100% of purchase plus rehab or 70% of the sale price when finished (after-repair value). Minimum loan $150,000. Business-purpose loans on investment property.
Hard money
Short-term, asset-based loans from private lenders. Fast, flexible and built for houses that need work. Higher cost than a bank, but it can fund both purchase and rehab.
Private money from individuals
Loans from people you know, often friends, family or past partners. Terms are whatever you agree on. Great when you have the relationships, but hard to scale.
Bank loans and HELOCs
Lower cost, but slower, stricter on condition and income, and rarely fund rehab on a distressed house. A home equity line can fund a down payment, but it puts your own home on the line.
Which is best for a Dallas flip?
For most investors, a hard money loan that funds 100% of purchase and rehab is the fastest way to win the deal and keep cash free. See hard money vs private money and our Dallas fix and flip loans.
Hard money loans across Dallas–Fort Worth
We lend on investment houses throughout the DFW metroplex, in Dallas, Tarrant, Collin, Denton and surrounding counties.
Questions investors ask
Straight answers about house flipping loans.
Can I get a bank loan to flip a house?
Sometimes, but banks rarely lend on houses in poor condition or close as fast as sellers want.
How much of a Dallas flip will you fund?
100% of the purchase price and 100% of the rehab budget, as long as the total loan is no more than 70% of the after-repair value.
What is the smallest loan you make?
Loans start at $150,000.
Can I use this loan on a home I will live in?
No. These are business-purpose loans on investment property only. The house has to be one you are buying to renovate and sell or rent.
More from Dallas Private Money
Loans, calculators and guides for Dallas fix and flip investors.