My help cometh from the Lord, which made heaven and earth

Here is an overview of the financing programs and lending guidelines we offer for your future reference. 

Should you ever require flexibility or special consideration on a transaction, please feel free to reach out directly.

Our primary focus is providing financing for residential investment properties (1–4 units and condominiums). We are also able to accommodate residential transactions up to 10 units, provided the overall deal structure aligns with our lending and risk parameters.

First-Time Investor Program

• 740+ FICO: Up to 90% LTV @ 12.00%
• 780+ FICO: Up to 90% LTV @ 11.50%

Fix & Flip Program (1–4 Units)

• Up to 90% of purchase price + 100% of renovation costs
• Rates starting at 9.99%
• Origination points starting at 1.5%
• $2,000 processing fee (due at closing; appraisal payment required upfront)
• No prepayment penalty
• No bank statements or tax returns required
• Funding within 3–7 business days
• Tenant or squatter-occupied properties accepted (exterior appraisals permitted)
• Post-renovation refinance options available
• Minimum Loan Amount: $50,000
• Minimum FICO: 620
• Not available in: ND, SD, OR, UT, VT, AZ

Rental Program (1–4 Units + Multifamily)

• Up to 80% LTV (Purchase / Rate & Term Refinance)
• Up to 75% LTV (Cash-Out Refinance)
• Available Terms:
  • 30-Year Fixed
  • 5/1 or 7/1 ARM
  • Interest-Only Options
• Rates starting at 5.875%
• Origination points starting at 1.5%
• Prepayment Penalty Options: 0–5 Years (based on eligibility)
• DSCR: 0.75x+ (based on eligibility)
• Loan Amounts: $55,000 – $2,000,000
• Minimum FICO:
       660+ Residential
  • 680+ Commercial
• Not available in: ND, SD, NV, AZ
• Eligible Property Types:
  Condo/Townhome, 
• 1–4 Unit Residential, 5+ Multifamily, 
• Mixed-Use, 
• Commercial,
•  Day Care, 
• Automotive, 
• Mobile Home Parks,
• Restaurant/Bar, 
• Light Industrial, 
• Storage Facilities (other property types considered case-by-case)
• Funding@hflipper.com for an application

Commercial Bridge Program (5+ Units)

• Up to 75% of purchase price + 100% of renovation
• Rates starting at 10.49%
• No prepayment penalty
• Origination points starting at 2%
• $2,000 processing fee
• No tax returns required
• Funding within 5–10 business days
• Minimum Loan Amount: $500,000
• Minimum FICO: 620

Ground-Up Construction Program (1–4 Units)

• Up to 85% of total project cost
• Rates starting at 9.99%
• No prepayment penalty
• Origination points starting at 2%
• $2,000 processing fee
• Funding in approximately 10 business days
• No bank statements or tax returns required
• Minimum FICO: 680

Please keep me in mind for future lending opportunities. My commitment as a lending partner is to provide efficient and transparent communication throughout the process.

I look forward to building a mutually beneficial, long-term relationship founded on trust and performance.

To Generate an Official Quote, Please Provide:

• Loan Purpose
• Subject Property Address
• Occupancy Status (Rental / Vacant)
• Original Purchase Price
• Original Purchase Date
• Current Mortgage Payoff / Balance
• Sunk Costs to Date
• Rehabilitation Budget (if applicable)
• Estimated As-Is Value
• Requested Loan Amount
• Estimated ARV
• Annual Property Taxes
• Annual Insurance
• Monthly Market Rent (Per Unit)
• Estimated Credit Score
• Borrower Experience
  (Number of rental properties owned and/or properties bought and sold)

Please fill out and complete our Track Record Sheet , as borrower experience is a key factor in determining qualifications, rates, and loan terms.

Should you have any questions at any point during the process, please do not hesitate to contact request an application to Funding@hflipper.com