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Fix and Flip Loans for Real Estate Investment Properties

Fix And Flip Loans - Lender In Seabrook, Texas - Houston, Texas

Fix and Flip Loans in Houston, TX Made Easy!

First-time investor just starting out, or experienced, expert house flipper we have the perfect solutions for your investment.

At King James Lending, we are focused on designing loans for real estate investment that are simple, easy to understand, and profitable!

Our Fix and Flip Loans are structured to help investors purchase distressed properties fast, provide funding for repairs and improvements, and then flip them for maximum profit.

Why Finance Your Fix and Flip with King James?

In addition to our loan options, you get access to the expert team at King James Lending.
We can help you develop a plan of action to eliminate errors, increase returns, accelerate your income, and grow your investments.
As real estate investors ourselves, we know what you want and need to succeed.
Our mission is to help you get there!

What are Fix and Flip Loans?

Fix and Flip Loans are a type of Hard Money Loan used by real estate investors to purchase investment properties, fund repairs and renovations. The goal is to get through the renovation quickly, and then sell for a profit.

This type of loan allows investors to close on a property fast, without jumping all of the hurdles presented by traditional lending. These short-term loans are not usually offered by traditional lenders, but instead, are available through private lenders.

Private Lenders, like King James Lending in Houston, Texas, are funded directly by private individuals. Therefore, private lenders are able to approve and fund loans with much more flexibility and speed.

Loans are based on the value of a property, not the borrower’s creditworthiness or income. This asset-based lending model uses the estimated “After Repair Value” of a property to determine the amount of the loan and terms.

Below are some of the most common situations and use-cases for Fix and Flip Loans for Real Estate Investors around our Houston, Texas – Seabrook, Texas area.

1. Fix and Flip

Purchase, repair, and quickly sell the property.

Hard Money Loans for Real Estate Rehab

Hard money loans for real estate rehab allow investors to quickly purchase distressed properties, finance the repairs, and get the property back on the market much faster than any other type of real estate loan or mortgage.

House Flipping with Private Money Lenders

Private Money Lenders typically fund fix and flips projects. They may also provide funds for repairing and reselling commercial or multi-family properties.

These funds are used to secure damaged or distressed real estate properties, finance necessary renovations, and quickly resell them for a profit. Therefore, this type of real estate financing is also commonly referred to as house-flipping or fix-and-flip loans.

Handyman Special Financing

If you’re looking for handyman special financing, then chances are you’re in the market for a hard money loan with loan terms built on the After Repair Value (ARV). ARV represents the estimated or appraised value of a distressed property after the proposed repairs are complete.

Private money lenders typically lend 65-75% of the calculated ARV. The term, after repair value loans, is simply another way of saying hard money loans for distressed real estate which are based on the after repairs value.

Fix and flip, handyman special loans are typically short-term, asset-based loans. Most often secured for distressed or damaged real estate properties. They are typically issued by private investors or companies, are interest-only, and are not regulated like conventional mortgages, bank lenders, or credit unions.

2. Fast Purchase & Resell

Quickly purchase and resell the property.

Hard Money Loans without Repairs

Another way the smart real estate investor can leverage fix and flip loans is the speed of funding. 

The fact that these loans can close in as little as 2-7 days can mean that your offer to purchase may be the only solution that is able to close in time (such as when a foreclosure is pending). The speed of a fix and flip loan often helps negotiate better terms or a lower sales price.

These factors often allow the savvy property investor the ability to buy and flip a property at a much lower price, generating a considerable ROI (return on investment) in a very short amount of time.

3. Refinance, Rehab, & Resell

Funds for repairs on a property already owned. Quickly resell.

Real Estate Rehab Loans for Owned Property

This scenario provides a fast investment to repair a distressed property that you already own. As is the case with the other types of hard money loans, speed is of the essence.

A fix and flip loan provides fast and easy access to a wide range of resources and the cash needed to get the property repaired and back on the market at a much higher price than current value.

Just a few details to get your deal funded!

Fix and Flip Loan Application

To apply for a Fix & Flip Loan, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor.
  • How much liquid assets (cash) or equity do you currently have as security for your investment project and financing?
  • What are the property types you have invested in and/or flipped?
  • Tell us more about your experience as a real estate investor. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property.
  • What is your purchase price for the property?
  • What is the estimated After Repair Value?
  • What is the estimated cost of repairs?
  • What is your required loan amount?
  • When do you expect to close or start on this project?
    MM slash DD slash YYYY
  • When do you expect to complete this project?
    MM slash DD slash YYYY
  • Use this space to provide more details about your investment project, such as the repairs needed, your plans to make improvements, or the advantages/opportunities involved with this property. You can also tell us any other details that may be relevant to your project.
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Transactional Funding Application

To apply for Transactional Funding, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor. If you are a Wholesaler, let us know about your experience.
  • What are the property types you have invested in and/or wholesaled?
  • Tell us more about your experience as a real estate investor or wholesaler. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property for this transaction.
  • What is your purchase price for the property?
  • What is the sales price of the property?
  • How much of your own money are you using?
  • What is your required loan amount?
  • When do you expect to close?
    MM slash DD slash YYYY
  • Use this space to provide more details about your situation. Why do you need a Transactional Funding?
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Cash Out Refinance Application

To apply for Cash Out Refinance, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor.
  • How much liquid assets (cash) or equity do you currently have as security for your investment project and financing?
  • What are the property types you have invested in and/or flipped?
  • Tell us more about your experience as a real estate investor. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property or new purchase property.
  • What is your purchase price for the property?
  • What is the estimated After Repair Value?
  • What is the estimated cost of repairs?
  • What is your required loan amount?
  • When do you expect to close or start on this project?
    MM slash DD slash YYYY
  • When do you expect to complete this project?
    MM slash DD slash YYYY
  • Use this space to provide more details about your situation. Why do you need Cash Out Refinancing?
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Bridge Loan Application

To apply for a Bridge Loan, simply fill out the form below. A representative will contact you ASAP!
  • Contact Information

    Provide your contact information below and how you would like to be contacted.
  • Please provide us with your home address.
  • Please select all that apply.
  • Experience

    Tell us more about yourself and your experience as a real estate investor.
  • How much liquid assets (cash) or equity do you currently have as security for your investment project and financing?
  • What are the property types you have invested in and/or flipped?
  • Tell us more about your experience as a real estate investor. You can also share your investment goals and plans for future projects, or share any other relevant information below.
  • Hidden
    Please tell us what type of short-term loan you need.
  • Hidden
  • Investment Property Details

    Provide the details about your investment property or new purchase property.
  • What is your purchase price for the property?
  • What is the estimated After Repair Value?
  • What is the estimated cost of repairs?
  • What is your required loan amount?
  • When do you expect to close or start on this project?
    MM slash DD slash YYYY
  • When do you expect to complete this project?
    MM slash DD slash YYYY
  • Use this space to provide more details about your situation. Why do you need a Bridge Loan? Is the new property an investment property or are you purchasing a new home?
  • This field is for validation purposes and should be left unchanged.

Just a few details to get your deal funded!

Request Funding

  • Please provide us with your home address.
  • Please tell us what type of short-term loan you need.
  • If you are requesting a Bridge or Refi/Cash-Out loan, we need to know your exit strategy. Example: To refi out of your short-term loan and into a long-term loan.
  • Please provide the address of the investment property.
  • How much cash (liquid assets) or equity do you currently have as security for your investment project?
  • What is the estimated After Repair Value of the investment property?
  • What is the estimated cost of repairs?
  • How much do you need to finance?
  • What is your expected start date?
    MM slash DD slash YYYY
  • What is your expected finish date? When do you expect to have repairs completed?
    MM slash DD slash YYYY
  • Please give us some more information about your project or situation