Fix & Flip 100 — No Credit Check

At a glance

Built for active investors who need every dollar at the closing table. Finance the full purchase price plus 100% of rehab costs (capped at 70% ARV) on single-family, 2–4 unit, and townhome flips. No appraisal and no credit report required in most markets, so funding moves at investor speed.

Program highlights

• Up to 100% LTC (purchase + rehab)
• Up to 70% ARV cap on rehab budget
• No credit report required (most markets)
• No appraisal required (most markets)
• Loan amounts $50,000 – $500,000
• 6-month term + 3-month extension option (1% extension fee)
• 12% APR + 2% origination
• Business purpose only — full recourse available
• SFR, 2–4 unit, and townhomes
• First-time investors with prior real estate experience eligible (case-by-case)
• Heavy rehab subject to review
• Borrower must be an LLC, LP, or corporation with an individual guarantor

How funding works

1. Send the address, purchase price, and rehab budget — no credit pull
2. Term sheet issued same or next business day
3. Title ordered; entity docs and guaranty signed in parallel
4. Close in days — rehab draws funded as work is completed

Worked scenarios

First flip — $180k purchase, $60k rehab

Borrower: LLC borrower with one prior wholesale deal, no credit pulled

Property value: $240,000 · Loan amount: $240,000

Outcome: 100% of purchase + rehab funded; ARV $360k keeps loan inside the 70% cap.

Experienced flipper — portfolio velocity

Borrower: 5+ exits, recycles capital across three concurrent projects

Property value: $320,000 · Loan amount: $320,000

Outcome: No appraisal, no credit — funded in 7 business days so capital stays deployed.

Why this program

The 100% LTC structure means investors can keep cash reserves working across multiple deals instead of locking equity into a single property.

Because rehab is capped at 70% ARV (After Repair Value), the loan stays conservative from the lender's side even at full leverage on cost.

No credit pull keeps soft-inquiry-shy investors and entity-only borrowers in play — the file is underwritten on the deal, the experience, and the exit.

Frequently asked

Do you really fund 100% of purchase and rehab?

Yes — purchase price and rehab budget can both be financed at 100%, as long as the total stays at or under 70% of the after-repair value (ARV).

How is there no credit check?

In most markets we underwrite the property and the borrower's experience instead of pulling a tri-merge credit report. Appraisal and credit may still be required at the lender's discretion in select markets.

Can a first-time investor qualify?

First-time investors with prior real estate experience (wholesale, agent, contractor, etc.) are eligible on a case-by-case basis with a stronger guarantor or partner.

Who can be the borrower?

An LLC, LP, or corporation — with an individual guarantor on the loan. This is a business-purpose loan, not a consumer mortgage.