Fix and Flip Loans in California

Fix and Flip Hard Money Lenders

California Hard Money Direct is one of the premier fix and flip hard money lenders in California. We provide fix and flip loans in largely-populated areas in the state of California.


Traditional lenders such as banks and credit unions do not like properties they deem to be in disrepair. And for this reason, borrowers rely heavily on hard money lenders for fix and flip deals. That’s why rehab investors turn to California Hard Money Direct for fix and flip hard money loans.

Hard Money Loan Request

If you prefer to email us, fill out the form below and an associate will contact you to review the loan scenario and provide a quote.

Fix and Flip Loan Program
Approximately 9 days on average
$200,000 - $1.5 Million
12 months with longer terms available
Up to 80% of purchase price
Same day approval available
Single family and multi-family
Starting at 1.5 points depending on loan size
Please contact us for information on current rates and points.

What is a Fix and Flip Loan?

Fix and flip loans (hard money rehab loans) can be described simply as follows:  borrower purchases a property, they quickly remodel it and sell it. Obviously, the goal is to sell it at a profit. Typically, this type of purchase is either done with the borrower’s own cash or quite commonly utilizing hard money loans for fix and flips.


California Hard Money Direct is a direct hard money lender. Working with us means you have successfully cut out the middleman. We provide fast investment property loans in Los Angeles, San Francisco and the surrounding Bay Area, Orange County, San Diego, Riverside, Ventura, San Bernardino, Sacramento and more. 


Contact California Hard Money Direct today and speak directly with the loan officer. We make financing investment property in California uncomplicated and fast.

In a fix-and-flip project, the property is often purchased at auction, through a foreclosure or a bank short sale. Depending on how much below market the property is purchased for a few options are on the table: 


  1. A buyer may finalize the purchase & immediately try to sell the property “as-is”.
  2. The buyer may decide to add even more value by making minor or major improvements to the property prior to selling it. This is where fix-and-flip loans come in. When a buyer decides to upgrade and resell the property for profit, fix-and-flip loans are typically used to cover the upfront costs of renovating the property.

Fix and flip funding can only be utilized for residential real estate opportunities. The fix and flip financing is offered by the lender as a short-term loan. Typically, 12 months. This does not mean you have to keep the loan for 12 months. It is designed for people to close escrow, make the necessary renovations and sell the property. At the 12 month mark the balloon is due. If unforeseen issues occur and additional time is needed, there may be extension options. Most lenders will extend the loan for a set amount of time for a fee.

Fix and Flip Loan Options

There are several different types of fix and flip projects. A few of the most popular are:


  • Purchase: Savvy borrowers scout out distressed properties being offered at substantial discounts. Make some minor renovations and put back on the market.
  • Construction: A borrower buys an undersized home on a large lot. They add significant square footage, increase the value tremendously & sell the property. 
  • Renovation: The borrower purchases an out of date single-family house. They complete a total renovation to bring it up to modern standards. The renovation may include complete renovations of bathrooms, installing new kitchen cabinetry and countertops, replacing floor tiles, putting in hardwood floors, painting the house inside and out, and furnishing it with new appliances.


Need a quick answer?
Call 1 (800) 571-0887 today to receive an instant preapproval.

Bottom line, investors scout out deals where they can see a clear vision of what a property will look like after renovating specific areas of the property. Renovations that oftentimes will dramatically change the cosmetic look of the property. The goal is to make it so desirable it will sell quickly. 

It is important to work on a budget so that you can minimize the renovation expense and at the same time maximize the value of the property. It is also important to make improvements that do not take extensive amounts of time. We continually advise borrowers not to be frustrated when making offers and not being the borrower chosen. It goes without saying, if you like the property chances are a lot of other real estate flippers like it too! You may need to make a lot of offers to finally get a property under contract. It is all part of the ritual.

Serious flippers understand good deals will come and they will go quickly. You have to stay extraordinarily vigilant and price your offer in such a way to maximize your chances of getting the property under contract. There are many factors that make for a successful fix and flip. The buyer must be knowledgeable about the market, able to quickly ascertain potential upside, and able to put together and manage a team to efficiently execute improvement plans.

Why Choose a Fix and Flip Hard Money Loan?

Leverage is one of the biggest reasons people turn to fix and flip hard money loans. Why pay cash when you can use hard money lenders for flipping houses? You can buy the property with just 20% of the purchase price, and we will provide the other 80%.

In addition, we will provide 100% of the rehab money up to a maximum of $150,000. If you are an investor or flipper interested in hard money for flips, contact California Hard Money Direct today. You can get in and get out fast because our California hard money flip loans do NOT have a prepayment penalty. Flip as many properties as you like without a limit.

What Fix and Flip Lenders Take Into Consideration

To grant approvals for fix-and-flip financing, lenders want to know the likelihood of getting repaid is very high. They also want to know the borrower has a decent stake in the investment. The lender wants to see that you have a business plan detailing the estimated cost of renovations and/or construction. If this is your first flip, your application will be given higher consideration if your credit score is good and you have a history of consistent income.

One of the biggest obstacles is cash buyers. But, just because somebody makes a cash offer and you are using a fix and flip hard money lender does not mean they will get the property. Their offer may come with more contingencies than yours. Let us say the cash buyer requests a property inspection, appraisal, some of the closing costs to be paid by the seller and a 30-day escrow. The seller compares the cash buyers offer with your hard money flip offer. You offered a 21-day close, no property inspection, no fees paid by the seller. The only thing you requested was an appraisal. Suddenly your offer becomes more attractive than the cash offer. The seller likely will select your offer, even though you’re using fix and flip hard money.

Fix and Flip Loans in California

In need of a fix and flip loan for a rehab property? Consider a fix and flip hard money loan

At California Hard Money Direct, we can help you invest in rehab properties almost anywhere in California, with fast pre-approvals and impressively low rates.

Fix and Flip Hard Money Loan Advantages

Serious investors select lenders who are extremely well versed in hard money fix and flip loans. You will be hard-pressed to find a hard money lender with more five-star reviews than California Hard Money Direct. There are many reasons for this. 


Speed and reliability in closing loans are at the top of the list. When you find a hot property there will almost certainly be backup offers. Some of the backup offers will likely be offering more money. If your lender does not close on time, this puts your earnest money deposit at risk. Worse yet, the failure to perform can cause the loss of your entire transaction and all the potential profit you could have made.


We can often provide you with same-day prequalification on your fix and flip loan. This gets you fast cash to take advantage of opportunities when they arise. Please complete our short hard money loan interest form to get started.


We can assist you if you are new to flipping or an experienced flipper. Loan amounts from $100,000 to $1,000,000 and up to $1,500,000 for properties in Los Angeles, Orange, San Diego, San Mateo, or Santa Clara Counties.

Property Types:  

  • Residential 1-4 Unit properties only (SFRs, Condos, Townhomes, PUDs, 2-4 Multi Units)  
  • No Mixed Use, No Commercial, No Rural or Mobile Homes, No Manufactured Homes. Property SQFT – minimum of 500 and maximum of 3,500 square feet.  

General Loan Terms:  

  • Loan Term – 12 or 18 or 24 Months (18/24 Month options are available at a .50% rate add to the interest rate) 
  • No Prepayment Penalty  

Oftentimes, these undesirable properties do not meet FHA guidelines. This means, federal agencies like Freddie Mac and Fannie Mae will not back these loans. These agencies provide money to traditional lending agencies that would typically provide cash to home-buyers. Because federal agencies are not backing the loan, options for borrowers looking to purchase foreclosed properties are limited. If you are not interested or willing to pay cash, the best option is to use fix and flip lenders. 


Funding is just a phone call away.
Call 1 (800) 571-0887 now to receive an instant preapproval.

Fix and Flip Hard Money Loan Uses

Fix and flip loan scenarios we commonly assist with include but not limited to:

  • Short Sale Purchase and Rehab
  • REOs
  • Refinancing a short-term loan intended as a Flip
  • Properties in disrepair & unqualified for Conventional Financing
  • Foreclosures

*Courthouse step auctions only accept cash offers. As such, hard money fix and flip lenders are not a financing option.  Investors can pay cash for the property and then quickly do a cash-out refinance through California Hard Money Direct. Doing so will get the investor back their cash to use for the rehab costs. If the borrower purchases through a private auction house, we can help.  The auction must allow the transaction to go through escrow with title insurance.


We never put a limit on the number of properties you can purchase. We can help whether you need a hard money loan fix and flip or a hard money loan buy and hold.

Why More Borrowers Choose California Hard Money Direct for Fix and Flip Loans?

Very satisfied borrowers, brokers, and realtors. More 5-star reviews than virtually every other hard money lender in California.

There’s a reason why we’re a top fix and flip hard money lender in California and numerous clients repeatedly turn to us for their hard money needs. Our Google reviews speak for themselves.


Many years of experience in lending. A proven track record of delivering results. A long history of keeping promises and funding on time.

Work with a fix and flip lender that has the knowledge, resources, and experience to get your deals closed quickly. Cut out the middleman and partner with a direct hard money lender.



Fast pre-approvals and funding & very low rates and loan fees.

Same day Pre-approvals. Most fix and flip loans can be funded in approximately 9 days
Our interest rates and fees for hard money loans are among the lowest in the industry. Call now and compare for yourself.

Hopefully, we’ve answered your question, “What are fix and flip loans?” However, if you need more information, call 1 (800) 571-0887 to speak with a loan officer today.

Recently Funded Fix and Flip Loans in California

Read what other borrowers have to say about working with our California fix and flip lenders

Lending throughout California, a reliable fix and flip hard money lender

Ron Scott

Judy, was fantastic in getting my loan closed! I had a difficult situation with a number of extenuating circumstances, but she never gave up and persevered. And on top of everything else, we had to deal with COVID-19! If you have an easy situation she’ll get your loan closed in no time at all. But if you have a difficult situation, she’s the one to turn to!

Stephen Renton

Judy rocks. Professional, informative and delivers. 5* recommended.

Cozette Csoke

Judy was amazing from day 1. I initially reached out to California Hard Money, looking for a loan to purchase an investment flip. Compared to other lenders out there, Judy was confident and knowledgable about the California market. We ended up connecting back at a later time for a bridge loan; and her service was impeccable. The loan process was seamless, and funded almost immediately. Will definitely be contacting Judy again; and using California Hard Money Direct to fund our investment needs in future!

Fast approvals on fix and flip loans with California Hard Money Direct