We offer a Fix and flip loan program specifically for residential real estate investors. This program is a low documentation, perfect to purchase and rehab project to either sell or refinance once completed. Program qualification is based on property values, FICO score and borrower experience. No personal income is required.
| Loan Amount | $75,000 – $5 Million |
| Loan Term | 9, 12, or 18 month options |
| Time to Close | 5 to 20 Days from Deposit |
| Asset Classes | Non-owner Occupied 1-4 Family Residential Properties; Condos; Townhomes; Planned Unit Developments (PUDs) |
| LTV of Purchase Price | Up to 75% for new investors or 95% LTV for experienced investors |
| LTC of Rehab Amount | 100% |
| Max Loan to ARV | Up to 75% |
| Minimum As-Is Appraised Value | $50k |
| Lien Position | First Mortgage |
| Interest Rate | 9.99% – 12.99% |
| Origination Fees | 1.50% – 3.00% (adjusted to loan size, timing, and complexity) |
| Minimum Credit Score | 650 |
| Amortization | Interest Only |
No interest on the rehab portion until funds have been drawn
No Pre-payment penalty
Renovations Funded 100% via holdback.
A borrower seeking a hard money loan must meet the following generally stated minimum requirements.
| Borrower Type | Corporations, Trust or Limited Liability Companies preferred |
| Cash Reserves | Minimum of 10–15% of project costs |
| Net Worth | Sufficient to support the loan and project scope |
| Credit Score | 660 or higher preferred |
| Foreign Nationals | Eligible with qualifying documentation |
| Exit Strategy | Clear plan to repay or refinance the loan is required |
We make it easy—download all the forms you need to start your loan application, hassle-free.
At Capital Three Sixty, real estate lending is all we do and we do it well. With decades of experience and thousands of funded deals, we help investors and business owners secure the right financing quickly and efficiently.
Fueling Your Real Estate Goals
Flexible long-term loans for income-generating properties.
Fast capital for purchase, rehab, and resale.
Funding for ground-up construction and value-add deals.
FUNDING IN
ALL STATES
*Except: MN, NV, ND, SD
No hassle, no delays. Our quick application process is built to get investors, developers, and business owners the capital they need—without the runaround.
Simple online application
Quick review and response
No obligation term sheet
