Fix & Flip Loans
Built by investors, for investors. Get the capital you need to acquire, renovate, and sell properties faster — with flexible Fix & Flip financing and industry-leading draw times.
5 hrs
Avg. draw time
100% LTC
+ 100% of rehab
7.75%
Rates starting
Why HouseMax
Capital that partners with you for the long haul.
We serve experienced investors who are building real businesses — not chasing one-off deals. Fast draws, honest terms, and a team that answers the phone.
5-hour average draw times
Draws move in business hours, not weeks. It's a pace almost unheard of in private lending — and it keeps your projects on schedule.
Partnership over transactions
We invest in long-term relationships. Sponsors come back because we treat their business like our own — scaling with them deal after deal.
Built to scale your business
From a single flip to a rolling portfolio, our terms flex as you grow. Do up to 5x the deals compared to funding with cash.
A direct private lender
No middlemen. Nationwide footprint. Decisions made in-house by people who've flipped houses themselves.
Program Terms
Straight forward terms. Priced to win.
Everything you need to underwrite the deal — in one place.
Loan Amount
Minimum $100K
Ideal Credit
680+
Rates Starting
7.75%
Points as low as
0%
Payment
Interest Only · No Prepayment Penalty
Loan to Cost (LTC)
Up to 100% + 100% of rehab
After Repair Value (ARV)
75%
Term
12 / 18 / 24 months
Type / Location
Urban & Suburban
Experience
First-time & seasoned investors
Eligible Loan Types
Purchase
The Process
Simple, fast, repeatable.
01
Submit your deal
Send us the property, purchase price, and rehab budget. Quick, no-hassle intake.
02
Get a term sheet fast
Our in-house team underwrites and returns terms — often the same business day.
03
Close and start work
Fund the purchase and rehab draws. Average 5-hour draw turnaround keeps crews moving.
04
Sell — or refinance & scale
Exit on the flip, or roll into our DSCR product to hold and grow the portfolio.
Investor Insights
Stewards of Capital. Partners in
Straight from our team.
Short videos from the lenders behind HouseMax — what we underwrite, how we fund, and what it takes to scale a fix & flip business.
With Jeff
Underwriting a fix & flip the HouseMax way
What we look for in a deal — and why speed matters.
With Jeff
Getting rehab draws in hours, not weeks
How our draw process keeps your crews on-site and on-budget.
With Jeff
Scaling from one flip to a portfolio
Using leverage the right way to do 5x more deals.
With Nick
Common mistakes new flippers make
Costly missteps we see — and how to avoid them.
Hard Money, in numbers
5x more deals with the right leverage.
Using HouseMax for your fix & flip loans lets you do up to 5x as many deals compared to paying cash. We base the loan on a percentage of the projected after-repair value (ARV) rather than the purchase price, and we reimburse rehab spend on quick draws — so your cash keeps working.
Up to 100% loan-to-cost + 100% of rehab
Up to 75% of the after-repair value (ARV)
Interest-only payments with no prepayment penalty
Rolling draws reimbursed in ~5 business hours
Worked Example
A $325K ARV property
True after-repair value
Property is distressed and needs work
$325,000
Conventional lender offer
Up to ~75% of the discounted purchase price
$150,000
HouseMax offer (up to 75% ARV)
Funds acquisition + rehab in one loan
$243,750
The difference — $93,750 of additional working capital — is what turns a single flip into a scalable business.
Fix & Flip Resources
Sharpen your edge before the next deal.
Expert insights, financing strategies, and real-world tips to help you navigate your next fix-and-flip project with confidence.
