Fix & Flip

We finance Investors, Developers, and Commercial Borrowers.

Harbor Point Credit finances investment properties, commercial assets, and development projects. If you’re an investor, developer, or broker, you’re in the right place.

This program is available for investment and commercial properties only. We do not originate owner-occupied home loans, FHA, VA, or conventional residential mortgages.

Fast & Reliable Fix and Flip Loans for Real Estate Investors

When acquiring distressed properties, speed and capital are your greatest assets. Headquartered in Newport Beach, CA, Harbor Point Credit provides flexible, fast-closing fix and flip financing designed exclusively for real estate investors. Whether you are aiming for a quick-close purchase or need to rescue a stalled renovation, our investor-focused underwriting ensures you get to the closing table in as little as 5 to 7 days.

We understand that every project is unique, which is why we lend on a wide variety of 1–4 unit residential properties, including single-family homes, townhomes, and small multifamily units. By partnering with us, you gain access to the leverage you need—up to 90% Loan-to-Value (LTV) on purchases—allowing you to keep more of your own capital free for future investments. From first-time buyers to seasoned professionals, our team is committed to scaling your real estate portfolio.

Maximize Your ROI with Tailored Rehab Financing

Executing a successful flip or BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy requires a lender who understands the construction process. Our fix and flip loans cover 100% of your approved renovation budget, smoothly funded through a straightforward draw request system as you hit your project milestones. We support projects of all sizes, from light cosmetic touch-ups to heavy, full-gut rehabs.

Operating strictly through LLCs and corporate entities, we offer 12 to 18-month interest-only terms that keep your monthly carrying costs low while you work. Once your renovations are complete, Harbor Point Credit makes your exit strategy seamless. Whether your goal is to sell the property for a profit or transition into a long-term DSCR rental loan, our customized lending solutions provide the foundation for your project’s success.

Loan Information

Fast, flexible financing for real estate investors acquiring and renovating 1–4 unit residential investment properties. Our fix & flip program is designed for speed, reliability, and investor-focused underwriting.

Property Types

  • 1–4 unit residential investment properties
  • Single-family homes
  • Condos (non-warrantable allowed, case-by-case)
  • Townhomes
  • Small multifamily (2–4 units)
  • Vacant or distressed properties
  • Properties requiring light, moderate, or heavy rehab

Use Cases

  • Purchase and renovation of distressed properties
  • Cosmetic or full-gut rehabs
  • BRRRR (Buy, Rehab, Rent, Refinance, Repeat) acquisition before DSCR takeout
  • Quick-close investor purchases
  • Refinancing existing projects that need renovation capital
  • Completing stalled rehabs

Borrower Profile

  • Entity Requirement: Loans must close in an LLC or corporate entity.
  • Credit Score: Generally 660+ minimum.
  • Experience: First-time investors accepted; experienced investors receive more favorable leverage and pricing.

Loan Terms

  • Loan-to-Value (LTV): Up to 90% LTV on purchase
  • Loan-to-Cost (LTC): Up to 85% LTC
  • Terms: Interest-Only, 12–18 months
  • Rehab Financing: 100% of the approved renovation budget funded through draw requests
  • Exit Strategy: Sale, DSCR refinance, or conventional refinance

Documentation Requirements

  • Completed Loan Application
  • Entity Formation Documents (Articles of Organization, Operating Agreement, EIN)
  • 2 months of business bank statements (to verify liquid reserves)
  • Purchase Contract or Settlement Statement
  • Detailed Scope of Work (SOW) and Construction Budget

Process Timeline

  • Term Sheets: Same-day turnaround
  • Closing Speed: As fast as 5–7 days (deal dependent)

FAQs

  • Yes, all fix & flip loans must close in a business entity. We do not lend to individuals.

  • Typically, closing costs are paid out-of-pocket, but higher leverage tiers may cover a portion of your total costs. How do rehab draws work? Funds are released in tranches as you complete milestones on your Scope of Work, verified by a quick third-party inspection.