F.A.Q.

What is a hard money loan and how do I obtain one?
Hard Money loans are short term loans made on the value of the hard asset. In other words, these loans are based on the value of the property when rehabbed. Submission of application is not a guarantee for loan approval as approvals are done on a case by case analysis.

Why Flip Finance?
We’re experienced in all facets of real estate investing in the St. Louis area! We’re not just lenders, we started out as investors and rehabbers ourselves and we know what it takes to succeed. Our experience will help you achieve your goals.


What are the rates and lengths of loans with Flip Finance?
Initial loan terms are
4 months and 4 points for the origination of purchase. We also charge as low as 2 points on shorter term loans.


Monthly payments with Flip Finance are interest-only for the entire length of the loan at a rate of 1.25% per month. We hope you are in and out of your rehab in 4 months, however renewals are considered in 2 month increments with a 2 point origination.

What is required for a borrower’s application approval?

When being considering for a borrower loan, our loans are determined case by case and property, experience, credit and liquidity are factors in deciding approval. With our experience comes knowledge on what works best, we’ll never lend to you on a property we would never buy ourselves.

Applications are responded to promptly.

What is required for a loan application?
When filling out a loan application you’ll need to provide the complete property address, purchase price, estimated rehab costs, estimated market value after rehab (ARV), any access code or lockbox and to identify what type of property you will be purchasing to rehab.

What types of properties will fund? Does it matter what county my property is in?

Flip Finance funds residential or commercial projects including single-family, multi-family, duplexes, and apartment complexes.  We also offer our own pre-approved homes we’ve purchased.

Our loans are available in St. Louis City, St. Louis County, St. Charles County, and Jefferson County.