Flipping houses is one of the most popular strategies in real estate investing and for good reason. When done right, it offers quick returns, tangible results, and a scalable business model. But there’s one piece that can make or break your deal: the funding.

At NLC Fund, we specialize in providing fast, flexible financing solutions for real estate investors. Whether it’s your first flip or your fiftieth, understanding how fix and flip funding works is essential to maximizing ROI and minimizing risk.

Let’s break down what you need to know.

What Is Fix and Flip Funding?

Fix and flip funding refers to short-term real estate loans used by investors to purchase, renovate, and sell a property for profit. These loans are structured to move quickly because in real estate, speed can mean the difference between closing the deal or missing out.

Unlike traditional mortgages, fix and flip loans are designed with investor needs in mind, including renovation budgets, project timelines, and short-term exit strategies.

Why Not Just Use a Bank Loan?

Traditional financing options like conventional mortgages simply aren’t built for investment flips. They’re slower to process, don’t cover rehab costs, and are often restricted by underwriting guidelines that don’t favor distressed properties.

That’s where private lenders like NLC Fund come in, we focus on the asset’s value and your strategy, not just your credit score or W-2.

Common Types of Fix and Flip Loans

At NLC Fund, we offer loan structures tailored for real estate investors. Here are the most common fix and flip loan types to consider:

1. Hard Money Loans

These short-term loans are based primarily on the property’s value, not your credit or income. They’re ideal when you need to close fast and get to work.

• Fast closings as quick as 5–7 days
• Funding for both purchase and rehab
  
• Terms ranging from 6 to 18 months
  
• Higher interest rates than banks but far more flexibility
  

2. Fix and Flip Bridge Loans

These are tailored specifically for investors flipping homes. They often include both acquisition and construction funds in one package.

• Loan amounts based on ARV (After Repair Value)
  
• Draw schedules for renovation disbursements
  
• Structured to align with your flip timeline
  

3. Private Money Loans

These loans are sourced from individuals or investment groups and often negotiated case-by-case. They can be flexible, but typically require a strong network or previous experience.

What Lenders Look For (and How to Improve Your Chances)

At NLC Fund, we don’t expect every investor to have decades of experience—but we do look for smart, prepared borrowers. Here’s what typically matters most:

A solid deal — We look at the numbers: purchase price, renovation costs, holding time, and ARV.
An exit plan — Whether you’re reselling or refinancing, we want to see a clear strategy.
Some experience — If you’ve done past projects, great. If not, a strong team or contractor can help bridge the gap.
Financial readiness — We’ll often ask for proof of funds for the down payment and reserves.

3 Steps to Prepare for Funding

If you’re ready to fund your next flip, here’s how to increase your chances of getting approved quickly:

1. Know Your Numbers
Break down the full project cost, timeline, and expected resale price. Be realistic with your renovation estimates and profit margins.

2. Assemble Your Team
Whether it’s a trusted contractor, real estate agent, or project manager, having the right people in place strengthens your loan application.

3. Work With a Lender Who Gets It
Not all lenders understand the needs of investors. At NLC Fund, we know how to evaluate deals quickly and provide the funding you need without the red tape.

Final Thoughts

Fix and flip funding doesn’t have to be complicated. With the right lender, the right strategy, and the right numbers, you can turn undervalued properties into real profit.Whether you’re looking to fund your first flip or scale your investment portfolio, NLC Fund is here to help you move fast and close strong.