Direct Lender for Fix and Flip Investors 

We provide comps, capital and community as your partner in scaling your REI business. Our Fix and Flip loan products are designed to be fast and friendly, with the ability to fund 100% of renovation costs. These loan products offer 6-12 month terms and LTC varies based on investor experience level.

Download our app to utilize our Analyzer calculator and pull the latest MLS comps based on your investing strategy, and never miss the perfect deal with My Leads that surfaces the best opportunities daily in your defined buy box.

Please note: We do NOT offer bridge or ground-up construction loans. We are 100% focused on financing residential fix & flip projects.

Property Geographic Area Details
Nationwide except 8 states: CA, ID, NV, ND, SD, OR, UT & VT. We consider urban and suburban areas only.
Loan Amounts
$50,000 to $2,000,000
Interest Rates
10% to 13%
Loan Terms
6 months to 12 months
Origination Fees
1.25% to 2%
Lien Position
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial

Maximum Leverage

Residential Fix & Flip
Max LTP: 90%
Max LTC: 96%
Max LTARV: 75%

Friendly lending products designed to help you scale your real estate investing business. We are your partner and provide a seamless loan process with our reliable team of lending experts.

The Standard : Max LTC 83%, FICO 640+

Our core capital product and most popular loan, available to all of our borrowers. Members choose the Backflip Standard when looking for moderate leverage at the best possible price to boost total profit

Double Double: Max LTC 93%

A high-leverage loan for experienced investors on high quality deals, where Backflip originates 1st- and 2nd-lien loans (also known as mezzanine financing). Members choose The Double Double to minimize cash-to-close and increase leverage, to juice ROI on slam-dunk deals.

Zero Gravity: Max LTC 96%

Our highest LTC loan designed to help pro real estate investors minimize total cash required, and manage cash flow during a flip. No upfront-fees, no monthly interest payments—we just roll it all into the loan repayment at completion of your six-month project. Great for that feeling of lightness!

Property Types

  • 2-4 Units Residential
  • Condominium
  • Single Family Residence

Loan Types

  • Hard Money
  • Residential Fix and Flip
  • Residential Rehab and Rent

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Seller Financing
  • Gap Lender
100% of rehab budget is held back and funded as work is completed

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Details and Requirements

Payment Structure
  • Interest Only
  • No Monthly Payments Required
Maximum Units for Multifamily Properties


Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Credit Check Description

Credit reports must be initiated by Backflip and obtained within 90 days of loan origination

Appraisal Required for Residential Property


Broker Price Opinion (BPO) Accepted for Residential Property


Legal Disclaimer

Backflip originates loans through its subsidiary, Double Backflip, LLC. NMLS ID # 2482717.

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Backflip is a real estate financial technology company that supports entrepreneurs to acquire and renovate single family homes, thereby reinvigorating the housing supply and their local communities. The company offers purpose-built technology and capital products to source, analyze and finance residential real estate investments. Backflip is an all-in-one platform providing entrepreneurs with the technology, data, and financing strategies that allows them to scale their businesses.


NMLS ID 2482717 (Double Backflip, LLC)

Company Size (Number of Employees)


Year Established


Office Locations

Denver, Colorado

Primary Capital Source
  • Debt Fund We Manage
Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Josh Ernst

Founder & CEO

Jake Rome

Founder & COO

Contact Backflip

Backflip pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

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Contact Backflip by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.


Our Minimum Loan Amount Is


What We Do

  • Fix and Flip Loans
  • Residential 1-4 Units
  • Minimum 640+ Credit Score Required
  • Short Term Financing up to 12 months

Not Available

  • NO 100% Financing
  • NO Owner Occupied Homes
  • NO Multifamily 5+ Units
  • NO Commercial Properties

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