Fix and Flip Loans
Financing Built Around Your Investment Strategy
Whether you are tackling your first flip or scaling an established business, our Fix & Flip loans help you acquire, renovate, and sell with confidence. Every loan is reviewed in-house by experienced real estate investors who understand the pace and challenges of every project.
Built for Investors Who Buy, Improve, and Sell
A Fix & Flip loan provides short-term financing to purchase and renovate residential investment property intended for resale. It is designed to help you move quickly, complete renovations efficiently, and capitalize on new opportunities.
First-Time Flippers
Your first investment property comes with a learning curve, but you do not have to navigate it alone. We walk you through our underwriting process, answer your questions, and help you understand how we evaluate opportunities so you can move forward with confidence.
Experienced Real Estate Investors
Whether you are managing one project or several, our streamlined approvals, fast closings, and responsive draw process are built to help you move efficiently from one opportunity to the next.
Builders & Contractors
Put your construction expertise to work with financing designed for investors who buy, renovate, and sell residential properties. We understand the pace of active projects and the importance of keeping work moving.
Why Real Estate Investors Choose Us
Every lender provides capital. We believe the lending experience should provide more. From your first conversation through your final payoff, our goal is to be a responsive, knowledgeable partner who keeps your projects moving.
Preserve More Capital
Finance up to 100% of the purchase price and 100% of renovation costs up to 70% ARV on qualifying projects, helping you keep more cash available for future opportunities.
Local Market Expertise
We lend where our experience gives us an edge. Years of investing and lending in Maryland and South-Central Pennsylvania provide local insight that goes beyond comparable sales and spreadsheets.
Keep Your Project Moving
Our streamlined draw process and mobile draw management app make it easy to request funding as work is completed. Once approved, funds are typically released within 24 hours.
Work With a Real Investor
Every loan is personally reviewed by an experienced real estate investor who knows the realities of buying, renovating, financing, and managing investment property. That brings practical perspective to every decision.
Simple, Transparent Loan Terms
Our loan terms are designed to give real estate investors the flexibility to acquire, renovate, and sell investment properties efficiently.
Initial Term
Extension options are available when you need additional time.
Purchase & Rehab
Qualifying projects may be eligible for 100% financing up to 70% ARV.
Up to 70% ARV
Finance up to 70% of after-repair value, preserving capital for your next deal.
Fast Draw Funding
Submit progress photos through our draw management app. Approved funds release fast.
No Broker Fees
We are a direct private lender. Your loan stays in-house from application to payoff.
No Prepayment Penalty
Pay your loan off whenever your project sells.
From Opportunity to Outcome
Baltimore, MD · First-Time Borrower
Purchased at auction for just $40,000, this Baltimore property had suffered significant damage, including a collapsed ceiling, and needed to be taken back to the studs. The condition was not a fit for conventional financing, but the borrower had a clear plan and the experience to execute it. We provided the financing to turn that vision into reality.
Every successful renovation starts with seeing potential where others see problems. This was our first project with the borrower, introduced by one of our repeat borrowers. We evaluate the opportunity, the borrower, and the plan, not just the property's current condition. That is how we approach every loan.
A Better Draw Experience
The closing table is where your project begins. Our streamlined draw process makes it easy to request funds, document completed work, and keep your renovation moving along every step of the way.
Upload & Submit
Use the Sitewire mobile app to upload photos of completed work and submit your draw request right from the job site. Simple and paperless.
Review & Approve
Our team reviews your completed work against the agreed scope and draw schedule to verify the work before approving your draw.
Receive Your Funds
Once approved, funds are typically released via ACH within 24 hours, helping you pay contractors and keep your renovation on schedule.
See Your Rate
Answer a few questions about your project, experience, and lending profile to view your estimated loan terms. It takes about a minute.
Your Estimated Loan Terms
Based on the information you provided, you would qualify for our standard Fix & Flip loan terms: a 6-month initial term with financing of up to 100% of the purchase price and rehab on qualifying projects, not to exceed 70% of the after-repair value (ARV).
How Does This Compare?
Hard money loans commonly range from 10%-14% interest and 2-4 points, depending on the project, collateral, and borrower profile. We believe competitive pricing is only part of the equation. Equally important is working with a responsive lending partner who closes on time, communicates clearly, and helps keep your project moving.
This estimate is provided for informational purposes only and is not a commitment to lend. Shaun will personally review your project and confirm the final loan structure and terms.
Lock It In With ShaunAll loans are subject to underwriting approval. Final loan terms are based on the specific project, collateral, and borrower profile.
From Application to Funded in 3 Steps
Getting started should not be complicated. Apply online and work directly with the Monument City Capital team from your first conversation through your final payoff.
Apply
Complete a short application and tell us about your project.
Get Your Term Sheet
We review your opportunity in-house and provide a proposed loan structure, often the same business day.
Close & Get to Work
We coordinate with your title company to fund the loan the day of settlement so you can get started.
Run Your Next Deal in 30 Seconds
Enter three numbers to estimate the profitability of your next fix and flip using typical Monument City Capital math. It is a fast way to evaluate opportunities.
Review My Deal With ShaunAssumptions: loan at 70% of ARV, 10% selling cost, 9% cost of money. Actual results will vary based on financing, construction costs, holding expenses, taxes, insurance, commissions, market conditions, and other factors. Use this tool as a starting point, not as the sole basis for an investment decision. For a more detailed deal analysis, schedule a call with Shaun.
Ready to Fund Your Next Project?
Whether you are purchasing your first investment property or your fiftieth, we would love the opportunity to earn your business. Tell us about your next deal.