At HouseMax, we know speed is everything in real estate investing. Our Fix and Flip Loans are designed to help California investors move quickly—whether you’re acquiring, rehabbing, or building. Close in days and flip with confidence—backed by a lender built by flippers, for flippers.
Founded by a team that has flipped over 2,700 homes and sold more than $50M in Real Estate. Billions in loans funded since starting HouseMax Funding in 2017.
With no surprise fees
Allowing you to move quickly on opportunities
Many California Fix and Flip loans close in as little as 15 days
Across California, home prices continue inching up despite softening demand: the median price now stands near $823,300, up about 0.8% year-over-year, while active listings jumped ~11.8%. Key metros like Los Angeles, San Diego, San Francisco, Sacramento, and Riverside are seeing inventory creep upward and time-on-market stretch—giving value investors more negotiating leverage.
Because supply is stunted (California still faces a long-term housing shortage), any loosening in seller insistence can yield outsized margins. In high-cost areas like L.A. or San Francisco, acquisition discounts compound quickly when rehab turns are efficient. Meanwhile, inland and growing metros (Riverside, Sacramento) benefit from spillover demand and less competition. With holding costs eating margins, speed of capital and flexibility are essential — that’s where fast, reliable fix-and-flip funding becomes a game changer.
A fix and flip loan is short-term financing designed for real estate investors who buy properties in need of renovation, improve them, and sell them for profit. Instead of focusing on your personal income, approval is based on the property’s value, renovation plan, and after-repair value (ARV).
Typical requirements include:
- Credit score: Often 680+ (some lenders more flexible)
- Down payment: Typically 0–20% of purchase price
- Experience: Minimum of 2 flips
- Exit strategy: Clear plan to sell after renovation
- Property criteria: Residential properties in markets with resale potential
Rates are generally higher than long-term loans, starting around 8.5%–12% depending on:
- Credit profile
- Loan-to-value (LTV) and after-repair value (ARV)
- Investor experience
- Property type and location
Most fix and flip loans are short-term (6–18 months), giving investors time to renovate and resell the property. Extensions may be possible depending on the lender.
Most lenders require some skin in the game, usually 10–20% down. However, some programs may finance up to 90% of purchase price and 100% of rehab costs, based on ARV and experience.
HouseMax Funding is the Best Hard Money Lender in the Nation!
If you want to fast track the approval, fill out an application so we can understand the full picture and hopefully get you approved today.
