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.

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Investor

Fix & Flip 100 — No Credit Check

100% purchase + 100% rehab, no credit report in most markets.

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.

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

Apply for this program (817) 721-4030

What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.

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

Real borrower scenarios

Worked examples using the program's actual LTV and qualifying rules. Numbers are illustrative — your file determines your final terms.

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

100% LTV

LLC borrower with one prior wholesale deal, no credit pulled

Financed Down payment

Property value: $240,000
Loan amount: $240,000
Down payment: $0
Cash to close (est.): $8,000

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

Experienced flipper — portfolio velocity

100% LTV

5+ exits, recycles capital across three concurrent projects

Financed Down payment

Property value: $320,000
Loan amount: $320,000
Down payment: $0
Cash to close (est.): $9,500

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

Max LTV by program

% of value financed at purchase — click a bar to open the program

Max loan amount

USD millions — click a bar to open the program

Indicative rate ranges

Lower band = best-case pricing. Hover for details, click to open the program.

Knowledge & insights

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.

Did you know?

Most flips in the U.S. carry a 5–6 month hold time — a 6-month term + 3-month extension matches the median project timeline almost exactly.
ATTOM data has shown that the average gross flip ROI nationally hovers around 25–30%; leverage on cost, not value, is what amplifies that return.

Frequently asked questions

Quick answers about Fix & Flip 100 — No Credit Check. Not seeing your question? Talk to a loan officer below.

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.

Get matched to Fix & Flip 100 — No Credit Check

Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.

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