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Think beyond conventional mortgages.

Partner with Flipside

Loans for Real Estate Investors

It's time to take advantage of investor opportunities

At Flipside, we specialize in mortgage loans for real estate investors, and investor mortgage scenarios.

Here’s a quick overview of the Flipside advantage:

  • Financing for up to 90% of the purchase price and construction costs (regardless of property condition)
  • Cash out up to $1.5MM for Fix & Flip, Ground-Up Construction, Rental, and Bridge investments
  • Fast processing and easy closings compared to agency & non-QM lenders (no tax returns, W2s, proof of income, or credit bureau reporting required)

Loan Program Highlights

Fix & Flip

Value-Add Renovation and Flip Strategies
  • SFR, 2-4 units, condos, townhomes, ≤ 20-unit multifamily properties
  • Distressed properties with minor to major renovations required
  • Up to 95% LTC (purchase + renovation budget + interest)
  • 12-month loan term with extension available
  • Fixed rates (typically in the 9s)
  • Loan amount from $125,000 to $5MM

Construction

Ground-Up Construction Properties
  • SFR, 2-4 units, condos, townhomes
  • Land/lots, teardowns, heavily distressed properties, major renovations
  • Up to 85% LTC (purchase + construction budget + interest)
  • 18 to 24-month loan term with extension available
  • Fixed rates (typically high 9s to low 10s)
  • Loan amount from $500,000 to $25MM; maximum $5MM per APN

Rental

Long-Term Hold for Investor-Owned Properties
  • SFR, 2-4 units, condos, townhomes, ≤ 20-unit multifamily properties
  • Average or renovated condition
  • Up to 80% LTV (up to 75% LTV on cash out)
  • 30-year fixed rate, with optional 10-year I/O
  • 30-year conventional FRM rate + 0–50 bps
  • Loan amount from $125,000 to $3MM

Bridge

Short-Term Hold for Permitting, Lease-Up, or Sale
  • SFR, 2-4 units, condos, townhomes, ≤ 20-unit multifamily properties
  • Renovations complete or hold for additional time to stabilize or exit
  • Up to 80% LTV (up to 75% LTV on cash out)
  • 12-month loan term with extension available
  • Fixed rates (typically in the 9s)
  • Loan amount from $125,000 to $25MM; maximum $5MM per APN

For rental loans: Vacant and short term rental are okay. Actual or appraised market rent is expected to cover the mortgage, tax, insurance and HOA expenses (starting at as low as 1.0x DSCR). Prepayment penalties 1–5 years depending on rate.

"I should have come to you months ago...you guys are creative!"
—Loan Broker

Additional Terms

Minimum 680 FICO

Good credit and experienced investors preferred for best rates and leverage. We accept inexperienced investors on a case-by-case basis. Construction investors must have prior experience.

Business-Purpose Only

Loans must be for business purposes, and only for investors. Properties must be non-owner occupied. No personal use permitted.

Loan Guarantors

Personal full guarantee of loans is expected. Corporate full guarantee may be considered on exception.

Investor Eligibility

US citizens and permanent resident aliens are accepted. Foreign nationals may qualify with a US bank account.

Lending Area

Proximity to a major MSA is expected. We do not lend in Nevada, Utah, Arizona, South Dakota, or North Dakota.

Partner with us

Are you a conventional loan officer, real estate agent, or industry insider interested in partnering with Flipside Lending?

Get in touch today to see how we can help you grow your business while offering your clients unbeatable lending solutions.