FlipCo Financial
FlipCo Financial is a direct private lender serving real estate investors in selected Southeast and Midwest markets. It specializes in short-term fix-and-flip, bridge, and refinance loans for non-owner-occupied single-family and 2-4 unit properties, with no prior experience required.
Lending Quick Facts
- Loan Types: Fix-and-flip, short-term bridge, purchase, and refinance loans
- Property Types: Non-owner-occupied single-family homes, duplexes, triplexes, and fourplexes
- Geographic Focus: Arkansas, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia
- Maximum Loan Amount: Up to $1,000,000 per unit
- Minimum Loan Amount: No stated loan minimum; a minimum origination fee applies
- Rehab Financing: Up to 100% of the approved rehab budget may be funded
- Experience Requirements: No prior investment experience required
- Loan Terms: Short-term 3- and 6-month options; extensions may be available
- Prepayment Penalty: No prepayment fee reported for short-term bridge loans
- Interest Calculation: Interest is charged on funds drawn rather than the total committed amount
- Closing Speed: Funding may occur within approximately 48 hours after clear title
- Occupancy: Investment properties only; owner-occupied properties are not eligible
Fix & Flip Loans
- For non-owner-occupied single-family and 2-4 unit investment properties
- No prior flipping experience required
- Up to 100% of an approved rehabilitation budget may be financed
- Interest charged on funds drawn
- Short-term 3- and 6-month structures; extensions may be available
Short-Term Bridge Loans
- For time-sensitive residential investment acquisitions and refinances
- No stated minimum loan amount
- Maximum loan amount up to $1,000,000 per unit
- No prepayment fee reported
- Funding may occur within 48 hours after clear title and satisfaction of conditions
Refinance Loans
- For existing non-owner-occupied residential investment properties
- May support completion of a project or transition to a longer-term exit
- Available in the lender’s approved states and markets
- Final leverage and terms depend on property value, project scope, and borrower qualifications
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Property Types
- 2-4 Units Residential
- Multifamily
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
Legal Fee
$250 Loan Document Fee
Minimum Origination Fee Amount
$2,500
Common Loan Scenarios
- First-time investor purchasing and renovating a single-family home
- Experienced flipper acquiring a property with an approved rehab budget
- Investor needing a rapid closing after title is cleared
- Borrower refinancing a recently acquired investment property
- Investor purchasing a duplex, triplex, or fourplex for renovation
- Borrower needing short-term bridge financing without a prepayment fee
- Investor completing repairs before transitioning into DSCR financing
- Residential investor operating in one of FlipCo Financial’s approved states
Scenarios Not Considered
- Owner-occupied homes or primary residences
- Condominiums and townhomes with shared walls
- Manufactured or mobile homes
- Properties with more than four residential units
- Loans outside the lender’s approved states and cities
- Consumer-purpose loans
- Unsecured business loans
- Projects lacking a viable scope of work or exit strategy
Questions & Answers
FlipCo Financial offers short-term fix-and-flip, bridge, purchase, and refinance loans for residential real estate investors.
FlipCo Financial reports lending in Arkansas, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia.
FlipCo Financial finances non-owner-occupied single-family homes and 2-4 unit residential properties.
No. FlipCo Financial states that prior fix-and-flip experience is not required.
FlipCo Financial may fund 100% of an approved rehab budget, subject to underwriting and the project’s overall leverage.
FlipCo Financial reimburses completed and paid rehabilitation work through draw requests. Borrowers are encouraged to submit draws promptly as work progresses.
FlipCo Financial reports a maximum of up to $1 million per unit, subject to underwriting.
FlipCo Financial does not state a minimum loan amount, although it reports a minimum origination charge.
FlipCo Financial states that funding may occur within approximately 48 hours after title is clear and all closing conditions are satisfied.
No. FlipCo Financial’s loans are for investment properties and cannot be secured by the borrower’s primary residence.
No. FlipCo Financial’s published guidelines exclude shared-wall properties such as condominiums and townhomes.
FlipCo Financial states that it can help borrowers transition completed projects into long-term DSCR financing through its rental-loan resources.
No. FlipCo Financial states that monthly interest is calculated on funds drawn, not the full committed loan amount.
Asset-Based Hard Money Lender for Flippers
FlipCo Financial is a direct hard money lender focused on providing flexible, asset-based funding for real estate investors. As a true balance sheet lender, FlipCo sets its own risk tolerance, allowing faster decisions, creative deal structuring, and fewer roadblocks. As a true asset-based lender, we don’t do hard credit checks and have no minimum credit score requirements. Our process is doc-lite, with fewer than 10 documents on our standard checklist, so investors spend less time chasing paperwork and more time closing deals.
- Fix & Flip or Rehab-to-Rent loans
- Bridge loans to purchase or cash out
- Lending in the South, Midwest and Southeast
- SFR and Multifamily up to 20 units
- Lending up to 90% of total project costs
- Loan amounts up to 75% of after-repair value
- No formal appraisals
- No minimum FICO score for flip strategy
- $25K minimum loan amount
- Experience not required
- No junk fees – only $250 legal plus origination points
- In-house loan servicing and draw management
Please note: We do not lend on owner-occupied homes, condos, land, and commercial real estate.
Additional Details
While we don't charge a prepayment penalty, we do have a minimum interest guarantee, typically 3 or 6 months.
Last updated: October 2, 2026
FlipCo Financial’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$131,734,241
12mo Loan Count
662
Total Loan Volume
$556,296,499
Average Loan Size
$217,134
Company Quick Facts
- Company Type: Direct private and hard money lender
- Primary Customers: Residential real estate investors
- Primary Focus: Short-term residential investment financing
- Business Model: Direct funding with in-house loan processing
- Geographic Footprint: Selected markets across 12 states
- Experience Policy: Works with both first-time and experienced investors
- Operational Focus: Fast closings after title and underwriting conditions are cleared
- Rehab Administration: Reimbursement draws for completed and paid work
- Property Focus: Single-family and 2-4 unit investment properties
Office Locations
Our Team
Alesondra Mora
Director
Mike Kennedy
Vice President
Our minimum loan amount is $25,000