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The terms
Any
Any
Any
The record
All 13 lenders · lender name, A to Z
Published fix-and-flip guidelines for 13 lenders, shown for a borrower with no completed flips, ordered by lender name, A to Z.
LenderA–Z ▲
AccoLend
650 first-time; 620 experienced
Sep 6, 2026
WHAT THESE FIGURES DO NOT SAY ON THEIR OWN
At this experience level.
AccoLend publishes a two-column table and the first-time column is explicit: up to 80% of purchase, 100% of rehab, 70% of ARV, and experience 'Not Required'. Note the credit floor runs BACKWARDS to every other lender here — first-timers need 650 while experienced borrowers are allowed down to 620.
The credit floor.
620 for experienced borrowers and 650 for first-timers — the only lender here whose floor runs backwards, so a beginner at 630 clears the headline number and still does not qualify.
The closing time, which is not a column.
Low end of a published 7 to 15 business day range, from application. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedNot enumerated. The home page claims 40 states and Washington DC; the programme page shows funded deals in NJ, GA, PA, OH, MO, CA, FL, NY, LA, MA, DE and CO, which is a marketing gallery rather than a footprint.
620620 is the EXPERIENCED-borrower floor. First-time borrowers need 650.The only lender in this file whose credit floor is LOWER for experienced borrowers than for beginners: 620 experienced against 650 first-time. Everywhere else experience buys leverage and the floor stays put. A first-timer at 630 clears AccoLend's headline number and still does not qualify.
Tiered by experienceTwo published columns: experience Not Required, or Required.First-time investors are accepted outright, which the table states rather than implies. What experience buys is 10 more points of purchase leverage, 5 more points of ARV, and 30 points of credit-score headroom.
80% of purchaseExperienced column, light rehab projects only. First-time borrowers cap at 80%.Published as separate Purchase LTC and Rehab LTC lines, so the headline percentage is against purchase price with rehab funded on top — the Park Place shape, not the Kiavi one.
None on loans written with points. No-point programmes carry a six-month minimum term.A minimum-term requirement is a prepayment cost by another name. Only Groundfloor elsewhere in this file publishes one.
7 daysPublished as 7-15 business days. Recorded at the low end, as with the other rows.Low end of a published 7 to 15 business day range, from application.
Not publishedNot stated on the programme page. The published 80-90% purchase leverage implies 10-20% down, and a separate loan-programs page is reported to state 15-25% of project costs — not read directly, so not recorded as published.
Brookview publishes no experience tiers for leverage. What it does say is that rate (9.99-12.99%) and points (1-3%) both move with borrower experience, financial condition and the deal — so experience is priced rather than rationed here. The 660 credit floor is a middle score, with lower scores considered case by case.
The credit floor.
660, and uniquely in this set it specifies a MIDDLE score. A borrower with 640/665/700 qualifies here and would be recorded as 640 by a lender that takes the lowest. Below 660 is considered case by case.
The closing time, which is not a column.
'As fast as 7 days', a marketing floor measured from application. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
660Published as a MIDDLE score, not a lowest or a highest — the only row in the file to specify which.660 middle score, with borrowers below that considered case by case. Specifying the middle score matters: a borrower with a 640 / 665 / 700 spread qualifies here and would be recorded as 640 by a lender that uses the lowest. Nobody else in this file says which score they take.
13 monthsPublished as up to 13 months, with longer considered case by case. An odd number, and the shortest ceiling in the displayed set after Rehab Financial's 9-month base.
Not publishedA borrower-funded reserve of 12.5% of the loan amount plus six months of prepaid interest is reported against their 100% purchase-and-rehab option, but that appears on a different page not read directly — not recorded as published.
Easy Street does not tier published leverage by experience, and its FAQ confirms first-time flippers are eligible, including on the quick-close option. The 90% is derived from a published minimum 10% down payment, not published as a leverage cap.
The credit floor.
600, published for the EasyFix program specifically. The lowest published floor in the set.
The closing time, which is not a column.
From application, conditioned: 'as little as 48 hours if all parties are prepared to close'. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
47 states — AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI, WYFAQ: nationwide except LA, MN, SD, ND. Corroborated by the Where We Lend nav, which omits those four and lists all others.
Baltimore, MD, Chicago, IL, Detroit, MIMETRO-LEVEL exclusions inside states where they otherwise lend. All three are Tier A metros in the KB-03 geo build. No other lender collected so far publishes metro carve-outs, and no comparison page surfaces them.
90% — basis not publishedDERIVED, not stated: FAQ says down payment 'at least 10%' for fix and flip. Flag as derived in the UI or pull the EasyFix page for a stated figure before publish.Easy Street publishes no leverage cap at all. The 90% figure was derived from the FAQ's minimum 10% down payment, and a down payment is measured against purchase price rather than against cost — so the basis is not merely unstated, the number itself is derived. Both facts belong in the cell.
2 daysMarketing claim: 'as little as 48 hours if all parties are prepared to close.'From application, conditioned: 'as little as 48 hours if all parties are prepared to close'.
DirectRetail application direct to the borrower. The separate agent referral program pays a fee per funded deal; it is not a submission channel a borrower has to go through.
GoKapital publishes no experience tiering, no experience requirement and no credit floor for this product. It is worth knowing what this lender is before using the row: a broad business lender whose products run from merchant cash advances to SBA loans, with hard money real estate as one line among many. The guidelines are correspondingly thin next to the fix-and-flip specialists here.
The credit floor.
Not published for this product. GoKapital is a broad business lender — merchant cash advances through to SBA loans — with hard money real estate as one line, and the guidelines are thin next to the specialists here.
The closing time, which is not a column.
Not published. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
$150,000Published as a minimum property value of USD 150K — one of only three rows in the file to publish this field at all, and a hard disqualifier in cheap markets.
Residential investment, CommercialExplicitly no primary residences. Unit counts are not broken out, so whether a given 1-4 unit deal fits is not answerable from the page. Vacant land is capped at 50% LTV.
Groundfloor publishes no maximum leverage or ARV figure and no experience minimum; rate is stated to vary with experience. Hard gates apply at every tier and are not credit-score based: no bankruptcy or foreclosure in the last 12 months, no felony in the last 5 years, no financially-related offences, and the property must already be under contract. A borrower can clear the 640 floor and still be ineligible.
The credit floor.
640, plus eligibility gates that are not credit-score based: no bankruptcy or foreclosure in the last 12 months, no felony in the last 5 years, and the property already under contract.
The closing time, which is not a column.
7 business days minimum from application. Groundfloor volunteers that most loans close in 7 to 14 business days — the most honest closing-speed disclosure in the set. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedFAQ states 35 states for most products, with new construction and DSCR in all 50 — so the fix-and-flip footprint is the 35, not the 50. The list itself is only rendered as a map image, not as text. BLOCKING — the 35 must be enumerated from the map or by asking their BDM before publish. This is the single biggest data gap in the set.
$75,000 – $3,500,000LOWEST minimum in the set — every other lender collected floors at $100K. Directly relevant to the small-balance thesis in KB-01 and to cheap-market geo pages.
640Additional hard eligibility gates that are NOT credit-score based and that no comparison page surfaces: no bankruptcies or foreclosures in the last 12 months, no felonies in the last 5 years, and no record of financially-related offenses. Borrower must be 18+ and already have the property under contract. A borrower can clear 640 and still be ineligible.
No minimum publishedNo minimum stated. Rate varies with borrower experience, and the affiliate program is explicitly structured around FIRST-TIME borrowers — strong implied evidence they take them.No cap on concurrent active loans; each project underwritten individually against the borrower's capacity to run several rehabs at once.
Not publishedThe draw process is documented publicly — inspection request through the portal, review, wire, unlimited draws, 3-5 business days — without saying whether funds are advanced or reimbursed. The most fully documented draw process in the set, and still not this field.
3-5 business daysFull process documented publicly: inspection request through portal, review, wire. Unlimited draws. Slower than Lima One's stated 24 hours and Easy Street's ~48.
Not publishedDutch vs non-Dutch not stated. SEPARATE feature worth surfacing: 'true deferred payments' — borrower may defer ALL principal and interest to the end of term, and Groundfloor discloses that deferred loans may price higher than monthly-pay loans. That is a different axis from Dutch accrual and it materially changes carry cost. Candidate for its own column once the remaining seven are collected.
No penalty after the first 3 months, but a 3-month minimum interest requirement applies if repaid earlier.The only real prepay term in the set so far — everyone else publishes a flat 'none'. On a fast cosmetic flip that exits in 8 weeks this is a genuine cost, and it is exactly the kind of term the cost-of-capital calculator's prepay flag exists to surface.
Not publishedNo personal income verification on asset-based fix-and-flip. Required docs: contract or deed, scope of work, ID and experience sheet, one month of bank statements as proof of funds, entity docs, credit authorization.
7 days7 business days minimum, and they volunteer that MOST loans close in 7-14 business days. The most honest closing-speed disclosure in the set — worth calling out on the page.7 business days minimum from application. Groundfloor volunteers that most loans close in 7 to 14 business days — the most honest closing-speed disclosure in the set.
Direct (also brokers)Borrowers apply directly. Groundfloor also runs a separate Brokers program and a referral program, so a borrower may arrive either way.
Entity documents appear on the published required-document list. No entity type, and no individual-borrower path, is published.Recorded as published because the document checklist is published; what it does not say is whether an individual can borrow at all.
Not publishedOne month of bank statements is required as proof of funds. That is a documentation requirement with no threshold attached, so it is not a published liquidity minimum.
Kiavi does not publish experience-tiered leverage — these are the same figures shown at every tier. No minimum experience is stated, and an Emerging Investors track is marketed to first-time borrowers. The same page states both 100% and 95% LTC.
The credit floor.
Not published on the fix-and-flip product page. The 640 in directories comes from a third-party profile, and the 720 in roundups is the Enterprise Program threshold — 30+ properties and $7M+ purchased in the trailing 12 months.
The closing time, which is not a column.
From application. Marketing claim: 'in as few as 7 days'. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
49 states — AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY, DCPost-acquisition the footer splits origination: AZ, ID, NV, OR, SD by Figure Lending; remainder by Kiavi Funding. UT is absent from both lists. Re-verify against kiavi.com/states-kiavi-lends-in before publish.
Not publishedNot stated on the fix-and-flip product page. 640 appears on Kiavi's third-party lender-directory profile. NEEDS a primary-source pull from kiavi.com/faqs before publish — do not ship 640 on directory authority.The 720 figure circulating in roundups is the Enterprise Program requirement (30+ properties and $7M+ purchased in the trailing 12 months), not a base minimum. No hard credit pull to see a rate.
Tiered by experienceNo stated minimum. Terms reference faster processing for repeat borrowers. Kiavi markets an Emerging Investors track for first-timers.
100% LTCSEE conflicts — the same page states 100% and 95% in different modules.Published as LTC in the hero and again in the FAQ. The rates panel on the same page says 'of purchase price' instead — recorded in conflicts, and a reason to render the basis in the cell rather than sort on the number.
Not publishedDraws are described as released in stages after inspection. Whether the money is advanced before work or reimbursed after it is not stated, and the description is not enough to decide it — see collection rule 3.
Not publishedDraws described as released in stages after inspection, which implies but does not state non-Dutch accrual. Do not infer — the page does not say it.
Lantzman does not tier published leverage by experience and states 'flexible credit and experience requirements that cater to new investors and seasoned veterans alike', with a first-time flipper call-out on the page. It publishes no credit floor at all, which is a genuine gap rather than an open door — ask what they actually need.
The credit floor.
Not published. The page offers 'flexible credit and experience requirements', which is an absence of a number rather than an absence of a requirement — the same position Kiavi and LendingOne are in.
The closing time, which is not a column.
A FOURTH BASIS: 3 days to issuing final loan documents for signature, not to funding and not from application. Same-day approvals are advertised separately. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
2 states — CA, NV'Financing California and Nevada since 1990.' The narrowest footprint in the file by a wide margin, and one of the few stated plainly rather than as a count or a claim.
Not publishedNo floor is published. The page says 'flexible credit and experience requirements'. Do not read that as no credit requirement — it is an absence of a published number, which is the same thing Kiavi and LendingOne do.
Not publishedNo requirement published. The page carries a 'new to house flipping? no problem' call-out, which implies first-timers are served without stating terms for them.Owner-builder options are offered, which is unusual — most of this set requires a licensed general contractor or is silent on it.
Not publishedPublishes in-house, cost-free construction draws with no fund control setup fees, no draw fees and no inspection costs, and says borrowers may pay subcontractors directly — but does not say whether funds are advanced or reimbursed.
No'No Appraisals Required to get to the closing table.'Skipping the appraisal is how they get to final loan documents in as little as 3 days. Pre-approval letters are generated in minutes. Same operational trade as Kiavi and Easy Street, which also use in-house valuation.
Not publishedThe fix-and-flip page does not enumerate property types. Other pages on the site list a broader set; not carried across without reading them.
3 daysA FOURTH MEASUREMENT BASIS. This is 3 days to issuing FINAL LOAN DOCUMENTS FOR SIGNATURE, not to funding and not from application. Same-day approvals are also advertised. Not comparable to Kiavi's 7 days from application or Temple View's 48 hours from final approval, and further evidence the column needs its footnote.A FOURTH BASIS: 3 days to issuing final loan documents for signature, not to funding and not from application. Same-day approvals are advertised separately.
Flexible entity vesting — LLC, Corporation or Trust.Published as flexibility rather than as a requirement, and it does not say whether an individual can borrow.
Lima One does not tier published leverage by experience, but it does publish a floor: one exit of an investment property in the last 36 months. The exit can be the sale or refinance of any investment property held in title, not only a completed flip, and it counts if it was financed elsewhere. A borrower with no prior exit does not meet it.
The credit floor.
660, stated in the product-page FAQ. This corrects the 600 and 630 figures carried by every third-party roundup checked.
The closing time, which is not a column.
From application, and stated for repeat borrowers. The 7-day figure elsewhere on Lima One's site belongs to BridgePlus, a different product. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
47 states — AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WYLicensing footer: does not lend in Alaska, North Dakota, South Dakota, or Vermont.
Minimum requiredRequires one exit of an investment property in the last 36 months. The exit can be a prior flip OR the sale or refinance of any investment property the borrower held title on — a broader definition than 'completed flips', and it counts exits financed elsewhere. More experience buys higher leverage and lower rate and origination.
95% LTC95% LTC is conditioned: the 'Quick Flip' tier applies when the rehab budget is under 50% of purchase price.Named as LTC on the product page. Note the ARV figure on the same page is written as 75% LTV rather than ARV-LTV, which is a separate ambiguity in a separate column.
Non-DutchEXPLICITLY PUBLISHED. Product page states 'Non-dutch interest payments — pay interest only on funds drawn.' FAQ repeats it: interest accrues on rehab funds only after draw. The only lender of the four collected that states this at all.
YesSelf-directed appraisals with valuations in 5 days or less. The FixNFlip appraisal can be reused to set ARV for a Fix2Rent DSCR takeout. BridgePlus uses exterior-only valuations.
Foreign nationals eligible, including without an established US credit scoreDirectly opposite New Silver. Maps to the foreign-national keyword cluster in KB-03.
21 daysFAQ states funding within 3 weeks for REPEAT borrowers — materially slower than the 7-day claims elsewhere in the set, and the honest comparison. The 7-day figure on the same site refers to BridgePlus, a different product.From application, and stated for repeat borrowers. The 7-day figure elsewhere on Lima One's site belongs to BridgePlus, a different product.
Direct (also brokers)Retail borrowers apply directly. Lima One also runs Mortgage Broker and Mortgage Loan Officer channels plus a referral program at limaone.com/referral-program/, so a borrower may arrive either way.
New Silver does not tier published leverage by experience. Separately, its help centre states New Silver no longer lends to borrowers with zero completed projects — the figures shown are not available to a borrower at this tier on any terms.
The credit floor.
650 applies only with two or more completed projects. One completed project needs 700+, and New Silver states it no longer lends to borrowers with none.
The closing time, which is not a column.
From application. Marketing claim, alongside an instant term sheet and no hard credit pull. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedProduct page nav lists 14 states with dedicated landing pages; that is a content footprint, not a lending footprint. Third-party sources claim 43–47 states. BLOCKING — pull newsilver.com/locations/ directly before publish.
650Product page states 650 flat. The conditions are on the help-center page — see fico_notes.The product page's flat 650 materially understates the barrier. Per New Silver's own help center: 650 requires at least 2 completed projects; 700+ required with only 1 completed project; and New Silver NO LONGER LENDS to borrowers with 0 completed projects. A first-time flipper reading the product page has no way to know they are ineligible. Co-borrower guarantor permitted to meet the threshold; an LLC member holding 10–19% is not required to personally guarantee. Source: https://help.newsilver.com/en/articles/3230261-what-is-the-minimum-fico-score-required
90% — basis not publishedThe product page publishes 90% without naming the denominator. Recorded as unpublished rather than assumed to be LTC — the three lenders in this file that do name a basis name three different ones, so the assumption is not safe.
YesAppraisal with INTERIOR ACCESS required — a meaningful operational difference from the no-appraisal lenders on distressed or vacant property. Requires 6 comparable sales within 5 miles sold in the last 12 months; exceptions need investment committee approval. Full commercial appraisal for 5+ unit projects.
Residential 1-4 unit, Condo, TownhomeMax property size 5 acres. No rural property. No raw or undeveloped land. No portfolio or cross-collateralized loans — each property qualifies separately.
7 daysMarketing claim. No hard credit pull; instant term sheet and proof-of-funds letter.From application. Marketing claim, alongside an instant term sheet and no hard credit pull.
Not publishedNo entity requirement is published. The help centre does address LLC membership — a member holding 10-19% is not required to personally guarantee — which implies LLC borrowers are common without stating that one is required.
OfferMarket publishes one set of figures and does not tier them by experience, though its quote form asks for investment experience — so experience affects the quote you get rather than anything published. The 680 FICO floor is the highest in the set.
The credit floor.
680, published as the minimum guarantor FICO. The highest floor in this set, and an odd pairing with the lowest loan minimum: the small-balance deals a $50,000 floor invites still need a strong borrower.
The closing time, which is not a column.
Not published. Time to close appears only as the word 'Fast' in a comparison table against other lenders. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
680Published as the minimum guarantor FICO.680 is the highest published floor in the whole file — above Lima One and Park Place at 660 and well above Easy Street at 600. A lender with the lowest loan minimum and the highest credit floor is an unusual combination, and it means the small-balance deals its USD 50,000 floor invites still need a strong borrower.
90% of purchasePublished as maximum loan to PURCHASE PRICE, not loan to cost. See leverage_basis.Published as 'Maximum Loan To Purchase Price 90%', with rehab funded separately at 100% and an LTARV cap of 75%. This is the Park Place shape rather than the Kiavi one, and it is why the leverage column cannot be sorted.
18 monthsGuidelines table says 'up to 18 months'. The Today's Terms table at the top of the same page says 12-24 months for the same product. SEE conflicts.
Not publishedTime to close is described only as 'Fast' in a comparison against other lenders.Not published. Time to close appears only as the word 'Fast' in a comparison table against other lenders.
DirectBorrowers get an instant quote directly. But OfferMarket describes itself as 'a direct lender AND A SUPER BROKER' — funding either through OfferMarket Capital LLC or through an affiliated institutional capital provider depending on the loan. So the guidelines below are not always the guidelines of the entity that ends up holding the loan.
LLC or Corporation. Full recourse with a personal guarantee from holders of 51% of entity ownership.Published in the guidelines table, unlike most of this file.
PML publishes a first-time tier outright: up to 80% LTC, 660+ FICO, rates from 9.99%, and it requires 15-25% of total project cost from the borrower plus a licensed general contractor on trade-licensed work. Note the FICO floor for this tier is 660 even though the published absolute floor is 600 — the cheapest entry point is not the lowest score.
The credit floor.
600 is the published floor, but 660 or better is stated for both tier-1 pricing and the first-time tier — so a borrower between 600 and 660 falls outside every published tier and is priced case by case. No soft credit pull runs until you accept a quote.
The closing time, which is not a column.
From submission. Published as 5 to 10 days, with 48 hours on a clean file — so comparable to Kiavi and Park Place, which also count from the start. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedClaims all 50 states and 'lending in 50 states' in the footer, without enumerating them. Adds that title is handled in-house in 28 states and through partner agents in the other 22, which is a real operational split but not a footprint list. Joins the nationwide-claim gap shared by Groundfloor, Park Place, New Silver and Anchor.
600Published as the floor, with a soft pull only after terms are accepted.600 is the floor but not the working number: 660+ is stated for tier-1 pricing AND for the first-time tier, so a borrower between 600 and 660 sits outside both published tiers and is priced case by case. PML also publishes that no soft credit pull runs until a quote is accepted, which is unusual and useful when gathering several quotes.
Tiered by experienceThree published tiers keyed to closed flips in the last 36 months.First-time flippers are explicitly accepted, with the compensating conditions above. The published tier boundary is 3+ closed flips in 36 months for tier-1 pricing. PML states it re-underwrites the relationship after a first closing rather than only the next deal.
80% LTCTier-1 figure. First-time sponsors are capped at 80% on the same published sheet.Published as loan-to-cost, with loan-to-purchase given separately at up to 90% and an ARV cap at 75% described as the cap on combined leverage.
ReimbursementTHE FIRST LENDER IN THE SET TO PUBLISH THIS. 'Reimbursement wires within 48 hours of clearance' — the money follows the work rather than preceding it. Every other row in this file reads not_published on draw type.
48 hours after the inspector clears, which takes 1 business dayWeekly draws. One of only four rows in the file to publish a draw SLA at all, and the only one to describe the full sequence end to end.
Borrower choosesPUBLISHED, AND UNIQUE IN THIS FILE: 'Interest-only — Dutch or non-Dutch, your choice.' Two of the other lenders publish which basis they use; none of them lets the borrower pick. On a large rehab holdback that choice is worth real money, and it is the single most useful thing on this row.
YesA subject-to-completion appraisal is ordered in parallel with underwriting.No application fee at any stage. Origination is published at 1 to 2.5 points. Underwriting is asset-based: no W-2s, tax returns or DTI calculation.
5 daysPublished as 5-10 days from submission, with 48 hours on a clean file. Measured from submission, so comparable to Kiavi and Park Place rather than to Temple View.From submission. Published as 5 to 10 days, with 48 hours on a clean file — so comparable to Kiavi and Park Place, which also count from the start.
Not publishedAn entity package is listed among closing documents and recourse is standard with a personal guarantee from the sponsor, but no entity is named as a condition.
First-time sponsors bring 15 to 25% of total project cost, a licensed general contractor on trade-licensed work, and a Schedule of Values.Second lender in the whole file to publish a liquidity figure at all, after Rehab Financial. Stated for the first-time tier specifically.
We Lend publishes a 70-90% loan-to-purchase band described as experience-based, with 70% at the first-time end. It also names an alternative route to the top of the band that has nothing to do with flips completed: being a LICENSED CONTRACTOR OR AGENT. No other lender in this file offers a professional credential as a substitute for track record. ARV is published as a 65-70% band with no tiering.
The credit floor.
620, and unlike Anchor's 620 it does not come with a heavy experience gate — experience moves the leverage here, not the eligibility. No pay stubs, bank statements or tax returns.
The closing time, which is not a column.
A SIXTH BASIS: 5 to 7 business days FROM APPRAISAL RECEIPT, which starts the clock after the slowest step rather than before it. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
44 states — AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WYPublished as nationwide except Arizona, Minnesota, North Dakota, Nevada, South Dakota, Vermont and West Virginia. The page calls this 43 states; excluding seven from fifty leaves forty-three, so DC is presumably not counted. NEVADA and ARIZONA are the distinguishing exclusions — only LendingOne otherwise drops Nevada.
620620 ties Anchor for the second-lowest published floor, and unlike Anchor it does not come with a heavy experience gate — the experience effect here is on leverage, not eligibility. No pay stubs, bank statements or tax returns are required.
Tiered by experienceLeverage is stated as experience-based across a 70-90% band, without numeric tiers.A licensed contractor or agent is stated to reach the top of the leverage band alongside experienced borrowers. That is a credential substituting for a track record, and it is unique in this file.
70% of purchaseTop of the published 70-90% loan-to-purchase band.Published as loan-to-purchase, scaled by experience, with rehab funded separately at 100%.
5 daysPublished as 5-7 business days FROM APPRAISAL RECEIPT — a sixth basis in this column, and one that starts the clock after the slowest step rather than before it.A SIXTH BASIS: 5 to 7 business days FROM APPRAISAL RECEIPT, which starts the clock after the slowest step rather than before it.
Not publishedA self-declared personal financial statement is required in place of bank statements, which gives the underwriter a picture of liquidity without setting a threshold.
provenance (not a contradiction — a sourcing caveat)
Every figure on this row comes from a We Lend BLOG ARTICLE on their own domain, not from a product or terms page. It is a primary source under collection rule 1, but it is marketing content with a publication date rather than a maintained rate sheet.
The fix-and-flip product page itself publishes only funded-deal case studies with no guideline table.
ZINC publishes no experience tiering and no experience requirement. It also publishes no ARV cap and no credit floor, which matters more than usual here: 100% of purchase and 100% of rehab is the most aggressive headline in this file, and the constraint that would normally bind it is simply absent from the page.
The credit floor.
Not published, and neither is an ARV cap. On a programme advertising 100% of purchase and 100% of rehab, those are the two figures that would normally tell you where the ceiling is.
The closing time, which is not a column.
A FIFTH BASIS: 7 to 10 days AFTER every third-party and borrower deliverable is in — a clock that starts once the slow part is already done. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
1 states — CAThe loan-programs page states 'CA Only' for this product. ZINC's referral programme separately references restricted states nationally, so confirm whether the lending footprint is genuinely California only or whether this page is out of date.
Not publishedA Request a Draw tool is published for borrowers and fund control with inspection-based draws is referenced, but whether money is advanced or reimbursed is not stated.
7 daysPublished as 7-10 days AFTER all deliverables are in from third parties and the borrower — a fifth measurement basis in this column, and one that excludes however long those deliverables take to arrive.A FIFTH BASIS: 7 to 10 days AFTER every third-party and borrower deliverable is in — a clock that starts once the slow part is already done.
AccoLend publishes a two-column table and the first-time column is explicit: up to 80% of purchase, 100% of rehab, 70% of ARV, and experience 'Not Required'. Note the credit floor runs BACKWARDS to every other lender here — first-timers need 650 while experienced borrowers are allowed down to 620.
The credit floor.
620 for experienced borrowers and 650 for first-timers — the only lender here whose floor runs backwards, so a beginner at 630 clears the headline number and still does not qualify.
The closing time, which is not a column.
Low end of a published 7 to 15 business day range, from application. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedNot enumerated. The home page claims 40 states and Washington DC; the programme page shows funded deals in NJ, GA, PA, OH, MO, CA, FL, NY, LA, MA, DE and CO, which is a marketing gallery rather than a footprint.
620620 is the EXPERIENCED-borrower floor. First-time borrowers need 650.The only lender in this file whose credit floor is LOWER for experienced borrowers than for beginners: 620 experienced against 650 first-time. Everywhere else experience buys leverage and the floor stays put. A first-timer at 630 clears AccoLend's headline number and still does not qualify.
Tiered by experienceTwo published columns: experience Not Required, or Required.First-time investors are accepted outright, which the table states rather than implies. What experience buys is 10 more points of purchase leverage, 5 more points of ARV, and 30 points of credit-score headroom.
80% of purchaseExperienced column, light rehab projects only. First-time borrowers cap at 80%.Published as separate Purchase LTC and Rehab LTC lines, so the headline percentage is against purchase price with rehab funded on top — the Park Place shape, not the Kiavi one.
None on loans written with points. No-point programmes carry a six-month minimum term.A minimum-term requirement is a prepayment cost by another name. Only Groundfloor elsewhere in this file publishes one.
7 daysPublished as 7-15 business days. Recorded at the low end, as with the other rows.Low end of a published 7 to 15 business day range, from application.
Not publishedNot stated on the programme page. The published 80-90% purchase leverage implies 10-20% down, and a separate loan-programs page is reported to state 15-25% of project costs — not read directly, so not recorded as published.
Min credit scoremiddle score; under 660 case by case
Loan amount
Last verifiedSep 6, 2026
WHAT THESE FIGURES DO NOT SAY ON THEIR OWN
At this experience level.
Brookview publishes no experience tiers for leverage. What it does say is that rate (9.99-12.99%) and points (1-3%) both move with borrower experience, financial condition and the deal — so experience is priced rather than rationed here. The 660 credit floor is a middle score, with lower scores considered case by case.
The credit floor.
660, and uniquely in this set it specifies a MIDDLE score. A borrower with 640/665/700 qualifies here and would be recorded as 640 by a lender that takes the lowest. Below 660 is considered case by case.
The closing time, which is not a column.
'As fast as 7 days', a marketing floor measured from application. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
660Published as a MIDDLE score, not a lowest or a highest — the only row in the file to specify which.660 middle score, with borrowers below that considered case by case. Specifying the middle score matters: a borrower with a 640 / 665 / 700 spread qualifies here and would be recorded as 640 by a lender that uses the lowest. Nobody else in this file says which score they take.
13 monthsPublished as up to 13 months, with longer considered case by case. An odd number, and the shortest ceiling in the displayed set after Rehab Financial's 9-month base.
Not publishedA borrower-funded reserve of 12.5% of the loan amount plus six months of prepaid interest is reported against their 100% purchase-and-rehab option, but that appears on a different page not read directly — not recorded as published.
Easy Street does not tier published leverage by experience, and its FAQ confirms first-time flippers are eligible, including on the quick-close option. The 90% is derived from a published minimum 10% down payment, not published as a leverage cap.
The credit floor.
600, published for the EasyFix program specifically. The lowest published floor in the set.
The closing time, which is not a column.
From application, conditioned: 'as little as 48 hours if all parties are prepared to close'. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
47 states — AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI, WYFAQ: nationwide except LA, MN, SD, ND. Corroborated by the Where We Lend nav, which omits those four and lists all others.
Baltimore, MD, Chicago, IL, Detroit, MIMETRO-LEVEL exclusions inside states where they otherwise lend. All three are Tier A metros in the KB-03 geo build. No other lender collected so far publishes metro carve-outs, and no comparison page surfaces them.
90% — basis not publishedDERIVED, not stated: FAQ says down payment 'at least 10%' for fix and flip. Flag as derived in the UI or pull the EasyFix page for a stated figure before publish.Easy Street publishes no leverage cap at all. The 90% figure was derived from the FAQ's minimum 10% down payment, and a down payment is measured against purchase price rather than against cost — so the basis is not merely unstated, the number itself is derived. Both facts belong in the cell.
2 daysMarketing claim: 'as little as 48 hours if all parties are prepared to close.'From application, conditioned: 'as little as 48 hours if all parties are prepared to close'.
DirectRetail application direct to the borrower. The separate agent referral program pays a fee per funded deal; it is not a submission channel a borrower has to go through.
GoKapital publishes no experience tiering, no experience requirement and no credit floor for this product. It is worth knowing what this lender is before using the row: a broad business lender whose products run from merchant cash advances to SBA loans, with hard money real estate as one line among many. The guidelines are correspondingly thin next to the fix-and-flip specialists here.
The credit floor.
Not published for this product. GoKapital is a broad business lender — merchant cash advances through to SBA loans — with hard money real estate as one line, and the guidelines are thin next to the specialists here.
The closing time, which is not a column.
Not published. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
$150,000Published as a minimum property value of USD 150K — one of only three rows in the file to publish this field at all, and a hard disqualifier in cheap markets.
Residential investment, CommercialExplicitly no primary residences. Unit counts are not broken out, so whether a given 1-4 unit deal fits is not answerable from the page. Vacant land is capped at 50% LTV.
Groundfloor publishes no maximum leverage or ARV figure and no experience minimum; rate is stated to vary with experience. Hard gates apply at every tier and are not credit-score based: no bankruptcy or foreclosure in the last 12 months, no felony in the last 5 years, no financially-related offences, and the property must already be under contract. A borrower can clear the 640 floor and still be ineligible.
The credit floor.
640, plus eligibility gates that are not credit-score based: no bankruptcy or foreclosure in the last 12 months, no felony in the last 5 years, and the property already under contract.
The closing time, which is not a column.
7 business days minimum from application. Groundfloor volunteers that most loans close in 7 to 14 business days — the most honest closing-speed disclosure in the set. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedFAQ states 35 states for most products, with new construction and DSCR in all 50 — so the fix-and-flip footprint is the 35, not the 50. The list itself is only rendered as a map image, not as text. BLOCKING — the 35 must be enumerated from the map or by asking their BDM before publish. This is the single biggest data gap in the set.
$75,000 – $3,500,000LOWEST minimum in the set — every other lender collected floors at $100K. Directly relevant to the small-balance thesis in KB-01 and to cheap-market geo pages.
640Additional hard eligibility gates that are NOT credit-score based and that no comparison page surfaces: no bankruptcies or foreclosures in the last 12 months, no felonies in the last 5 years, and no record of financially-related offenses. Borrower must be 18+ and already have the property under contract. A borrower can clear 640 and still be ineligible.
No minimum publishedNo minimum stated. Rate varies with borrower experience, and the affiliate program is explicitly structured around FIRST-TIME borrowers — strong implied evidence they take them.No cap on concurrent active loans; each project underwritten individually against the borrower's capacity to run several rehabs at once.
Not publishedThe draw process is documented publicly — inspection request through the portal, review, wire, unlimited draws, 3-5 business days — without saying whether funds are advanced or reimbursed. The most fully documented draw process in the set, and still not this field.
3-5 business daysFull process documented publicly: inspection request through portal, review, wire. Unlimited draws. Slower than Lima One's stated 24 hours and Easy Street's ~48.
Not publishedDutch vs non-Dutch not stated. SEPARATE feature worth surfacing: 'true deferred payments' — borrower may defer ALL principal and interest to the end of term, and Groundfloor discloses that deferred loans may price higher than monthly-pay loans. That is a different axis from Dutch accrual and it materially changes carry cost. Candidate for its own column once the remaining seven are collected.
No penalty after the first 3 months, but a 3-month minimum interest requirement applies if repaid earlier.The only real prepay term in the set so far — everyone else publishes a flat 'none'. On a fast cosmetic flip that exits in 8 weeks this is a genuine cost, and it is exactly the kind of term the cost-of-capital calculator's prepay flag exists to surface.
Not publishedNo personal income verification on asset-based fix-and-flip. Required docs: contract or deed, scope of work, ID and experience sheet, one month of bank statements as proof of funds, entity docs, credit authorization.
7 days7 business days minimum, and they volunteer that MOST loans close in 7-14 business days. The most honest closing-speed disclosure in the set — worth calling out on the page.7 business days minimum from application. Groundfloor volunteers that most loans close in 7 to 14 business days — the most honest closing-speed disclosure in the set.
Direct (also brokers)Borrowers apply directly. Groundfloor also runs a separate Brokers program and a referral program, so a borrower may arrive either way.
Entity documents appear on the published required-document list. No entity type, and no individual-borrower path, is published.Recorded as published because the document checklist is published; what it does not say is whether an individual can borrow at all.
Not publishedOne month of bank statements is required as proof of funds. That is a documentation requirement with no threshold attached, so it is not a published liquidity minimum.
Kiavi does not publish experience-tiered leverage — these are the same figures shown at every tier. No minimum experience is stated, and an Emerging Investors track is marketed to first-time borrowers. The same page states both 100% and 95% LTC.
The credit floor.
Not published on the fix-and-flip product page. The 640 in directories comes from a third-party profile, and the 720 in roundups is the Enterprise Program threshold — 30+ properties and $7M+ purchased in the trailing 12 months.
The closing time, which is not a column.
From application. Marketing claim: 'in as few as 7 days'. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
49 states — AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY, DCPost-acquisition the footer splits origination: AZ, ID, NV, OR, SD by Figure Lending; remainder by Kiavi Funding. UT is absent from both lists. Re-verify against kiavi.com/states-kiavi-lends-in before publish.
Not publishedNot stated on the fix-and-flip product page. 640 appears on Kiavi's third-party lender-directory profile. NEEDS a primary-source pull from kiavi.com/faqs before publish — do not ship 640 on directory authority.The 720 figure circulating in roundups is the Enterprise Program requirement (30+ properties and $7M+ purchased in the trailing 12 months), not a base minimum. No hard credit pull to see a rate.
Tiered by experienceNo stated minimum. Terms reference faster processing for repeat borrowers. Kiavi markets an Emerging Investors track for first-timers.
100% LTCSEE conflicts — the same page states 100% and 95% in different modules.Published as LTC in the hero and again in the FAQ. The rates panel on the same page says 'of purchase price' instead — recorded in conflicts, and a reason to render the basis in the cell rather than sort on the number.
Not publishedDraws are described as released in stages after inspection. Whether the money is advanced before work or reimbursed after it is not stated, and the description is not enough to decide it — see collection rule 3.
Not publishedDraws described as released in stages after inspection, which implies but does not state non-Dutch accrual. Do not infer — the page does not say it.
Lantzman does not tier published leverage by experience and states 'flexible credit and experience requirements that cater to new investors and seasoned veterans alike', with a first-time flipper call-out on the page. It publishes no credit floor at all, which is a genuine gap rather than an open door — ask what they actually need.
The credit floor.
Not published. The page offers 'flexible credit and experience requirements', which is an absence of a number rather than an absence of a requirement — the same position Kiavi and LendingOne are in.
The closing time, which is not a column.
A FOURTH BASIS: 3 days to issuing final loan documents for signature, not to funding and not from application. Same-day approvals are advertised separately. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
2 states — CA, NV'Financing California and Nevada since 1990.' The narrowest footprint in the file by a wide margin, and one of the few stated plainly rather than as a count or a claim.
Not publishedNo floor is published. The page says 'flexible credit and experience requirements'. Do not read that as no credit requirement — it is an absence of a published number, which is the same thing Kiavi and LendingOne do.
Not publishedNo requirement published. The page carries a 'new to house flipping? no problem' call-out, which implies first-timers are served without stating terms for them.Owner-builder options are offered, which is unusual — most of this set requires a licensed general contractor or is silent on it.
Not publishedPublishes in-house, cost-free construction draws with no fund control setup fees, no draw fees and no inspection costs, and says borrowers may pay subcontractors directly — but does not say whether funds are advanced or reimbursed.
No'No Appraisals Required to get to the closing table.'Skipping the appraisal is how they get to final loan documents in as little as 3 days. Pre-approval letters are generated in minutes. Same operational trade as Kiavi and Easy Street, which also use in-house valuation.
Not publishedThe fix-and-flip page does not enumerate property types. Other pages on the site list a broader set; not carried across without reading them.
3 daysA FOURTH MEASUREMENT BASIS. This is 3 days to issuing FINAL LOAN DOCUMENTS FOR SIGNATURE, not to funding and not from application. Same-day approvals are also advertised. Not comparable to Kiavi's 7 days from application or Temple View's 48 hours from final approval, and further evidence the column needs its footnote.A FOURTH BASIS: 3 days to issuing final loan documents for signature, not to funding and not from application. Same-day approvals are advertised separately.
Flexible entity vesting — LLC, Corporation or Trust.Published as flexibility rather than as a requirement, and it does not say whether an individual can borrow.
Lima One does not tier published leverage by experience, but it does publish a floor: one exit of an investment property in the last 36 months. The exit can be the sale or refinance of any investment property held in title, not only a completed flip, and it counts if it was financed elsewhere. A borrower with no prior exit does not meet it.
The credit floor.
660, stated in the product-page FAQ. This corrects the 600 and 630 figures carried by every third-party roundup checked.
The closing time, which is not a column.
From application, and stated for repeat borrowers. The 7-day figure elsewhere on Lima One's site belongs to BridgePlus, a different product. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
47 states — AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WYLicensing footer: does not lend in Alaska, North Dakota, South Dakota, or Vermont.
Minimum requiredRequires one exit of an investment property in the last 36 months. The exit can be a prior flip OR the sale or refinance of any investment property the borrower held title on — a broader definition than 'completed flips', and it counts exits financed elsewhere. More experience buys higher leverage and lower rate and origination.
95% LTC95% LTC is conditioned: the 'Quick Flip' tier applies when the rehab budget is under 50% of purchase price.Named as LTC on the product page. Note the ARV figure on the same page is written as 75% LTV rather than ARV-LTV, which is a separate ambiguity in a separate column.
Non-DutchEXPLICITLY PUBLISHED. Product page states 'Non-dutch interest payments — pay interest only on funds drawn.' FAQ repeats it: interest accrues on rehab funds only after draw. The only lender of the four collected that states this at all.
YesSelf-directed appraisals with valuations in 5 days or less. The FixNFlip appraisal can be reused to set ARV for a Fix2Rent DSCR takeout. BridgePlus uses exterior-only valuations.
Foreign nationals eligible, including without an established US credit scoreDirectly opposite New Silver. Maps to the foreign-national keyword cluster in KB-03.
21 daysFAQ states funding within 3 weeks for REPEAT borrowers — materially slower than the 7-day claims elsewhere in the set, and the honest comparison. The 7-day figure on the same site refers to BridgePlus, a different product.From application, and stated for repeat borrowers. The 7-day figure elsewhere on Lima One's site belongs to BridgePlus, a different product.
Direct (also brokers)Retail borrowers apply directly. Lima One also runs Mortgage Broker and Mortgage Loan Officer channels plus a referral program at limaone.com/referral-program/, so a borrower may arrive either way.
New Silver does not tier published leverage by experience. Separately, its help centre states New Silver no longer lends to borrowers with zero completed projects — the figures shown are not available to a borrower at this tier on any terms.
The credit floor.
650 applies only with two or more completed projects. One completed project needs 700+, and New Silver states it no longer lends to borrowers with none.
The closing time, which is not a column.
From application. Marketing claim, alongside an instant term sheet and no hard credit pull. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedProduct page nav lists 14 states with dedicated landing pages; that is a content footprint, not a lending footprint. Third-party sources claim 43–47 states. BLOCKING — pull newsilver.com/locations/ directly before publish.
650Product page states 650 flat. The conditions are on the help-center page — see fico_notes.The product page's flat 650 materially understates the barrier. Per New Silver's own help center: 650 requires at least 2 completed projects; 700+ required with only 1 completed project; and New Silver NO LONGER LENDS to borrowers with 0 completed projects. A first-time flipper reading the product page has no way to know they are ineligible. Co-borrower guarantor permitted to meet the threshold; an LLC member holding 10–19% is not required to personally guarantee. Source: https://help.newsilver.com/en/articles/3230261-what-is-the-minimum-fico-score-required
90% — basis not publishedThe product page publishes 90% without naming the denominator. Recorded as unpublished rather than assumed to be LTC — the three lenders in this file that do name a basis name three different ones, so the assumption is not safe.
YesAppraisal with INTERIOR ACCESS required — a meaningful operational difference from the no-appraisal lenders on distressed or vacant property. Requires 6 comparable sales within 5 miles sold in the last 12 months; exceptions need investment committee approval. Full commercial appraisal for 5+ unit projects.
Residential 1-4 unit, Condo, TownhomeMax property size 5 acres. No rural property. No raw or undeveloped land. No portfolio or cross-collateralized loans — each property qualifies separately.
7 daysMarketing claim. No hard credit pull; instant term sheet and proof-of-funds letter.From application. Marketing claim, alongside an instant term sheet and no hard credit pull.
Not publishedNo entity requirement is published. The help centre does address LLC membership — a member holding 10-19% is not required to personally guarantee — which implies LLC borrowers are common without stating that one is required.
OfferMarket publishes one set of figures and does not tier them by experience, though its quote form asks for investment experience — so experience affects the quote you get rather than anything published. The 680 FICO floor is the highest in the set.
The credit floor.
680, published as the minimum guarantor FICO. The highest floor in this set, and an odd pairing with the lowest loan minimum: the small-balance deals a $50,000 floor invites still need a strong borrower.
The closing time, which is not a column.
Not published. Time to close appears only as the word 'Fast' in a comparison table against other lenders. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
680Published as the minimum guarantor FICO.680 is the highest published floor in the whole file — above Lima One and Park Place at 660 and well above Easy Street at 600. A lender with the lowest loan minimum and the highest credit floor is an unusual combination, and it means the small-balance deals its USD 50,000 floor invites still need a strong borrower.
90% of purchasePublished as maximum loan to PURCHASE PRICE, not loan to cost. See leverage_basis.Published as 'Maximum Loan To Purchase Price 90%', with rehab funded separately at 100% and an LTARV cap of 75%. This is the Park Place shape rather than the Kiavi one, and it is why the leverage column cannot be sorted.
18 monthsGuidelines table says 'up to 18 months'. The Today's Terms table at the top of the same page says 12-24 months for the same product. SEE conflicts.
Not publishedTime to close is described only as 'Fast' in a comparison against other lenders.Not published. Time to close appears only as the word 'Fast' in a comparison table against other lenders.
DirectBorrowers get an instant quote directly. But OfferMarket describes itself as 'a direct lender AND A SUPER BROKER' — funding either through OfferMarket Capital LLC or through an affiliated institutional capital provider depending on the loan. So the guidelines below are not always the guidelines of the entity that ends up holding the loan.
LLC or Corporation. Full recourse with a personal guarantee from holders of 51% of entity ownership.Published in the guidelines table, unlike most of this file.
PML publishes a first-time tier outright: up to 80% LTC, 660+ FICO, rates from 9.99%, and it requires 15-25% of total project cost from the borrower plus a licensed general contractor on trade-licensed work. Note the FICO floor for this tier is 660 even though the published absolute floor is 600 — the cheapest entry point is not the lowest score.
The credit floor.
600 is the published floor, but 660 or better is stated for both tier-1 pricing and the first-time tier — so a borrower between 600 and 660 falls outside every published tier and is priced case by case. No soft credit pull runs until you accept a quote.
The closing time, which is not a column.
From submission. Published as 5 to 10 days, with 48 hours on a clean file — so comparable to Kiavi and Park Place, which also count from the start. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
Not publishedClaims all 50 states and 'lending in 50 states' in the footer, without enumerating them. Adds that title is handled in-house in 28 states and through partner agents in the other 22, which is a real operational split but not a footprint list. Joins the nationwide-claim gap shared by Groundfloor, Park Place, New Silver and Anchor.
600Published as the floor, with a soft pull only after terms are accepted.600 is the floor but not the working number: 660+ is stated for tier-1 pricing AND for the first-time tier, so a borrower between 600 and 660 sits outside both published tiers and is priced case by case. PML also publishes that no soft credit pull runs until a quote is accepted, which is unusual and useful when gathering several quotes.
Tiered by experienceThree published tiers keyed to closed flips in the last 36 months.First-time flippers are explicitly accepted, with the compensating conditions above. The published tier boundary is 3+ closed flips in 36 months for tier-1 pricing. PML states it re-underwrites the relationship after a first closing rather than only the next deal.
80% LTCTier-1 figure. First-time sponsors are capped at 80% on the same published sheet.Published as loan-to-cost, with loan-to-purchase given separately at up to 90% and an ARV cap at 75% described as the cap on combined leverage.
ReimbursementTHE FIRST LENDER IN THE SET TO PUBLISH THIS. 'Reimbursement wires within 48 hours of clearance' — the money follows the work rather than preceding it. Every other row in this file reads not_published on draw type.
48 hours after the inspector clears, which takes 1 business dayWeekly draws. One of only four rows in the file to publish a draw SLA at all, and the only one to describe the full sequence end to end.
Borrower choosesPUBLISHED, AND UNIQUE IN THIS FILE: 'Interest-only — Dutch or non-Dutch, your choice.' Two of the other lenders publish which basis they use; none of them lets the borrower pick. On a large rehab holdback that choice is worth real money, and it is the single most useful thing on this row.
YesA subject-to-completion appraisal is ordered in parallel with underwriting.No application fee at any stage. Origination is published at 1 to 2.5 points. Underwriting is asset-based: no W-2s, tax returns or DTI calculation.
5 daysPublished as 5-10 days from submission, with 48 hours on a clean file. Measured from submission, so comparable to Kiavi and Park Place rather than to Temple View.From submission. Published as 5 to 10 days, with 48 hours on a clean file — so comparable to Kiavi and Park Place, which also count from the start.
Not publishedAn entity package is listed among closing documents and recourse is standard with a personal guarantee from the sponsor, but no entity is named as a condition.
First-time sponsors bring 15 to 25% of total project cost, a licensed general contractor on trade-licensed work, and a Schedule of Values.Second lender in the whole file to publish a liquidity figure at all, after Rehab Financial. Stated for the first-time tier specifically.
We Lend publishes a 70-90% loan-to-purchase band described as experience-based, with 70% at the first-time end. It also names an alternative route to the top of the band that has nothing to do with flips completed: being a LICENSED CONTRACTOR OR AGENT. No other lender in this file offers a professional credential as a substitute for track record. ARV is published as a 65-70% band with no tiering.
The credit floor.
620, and unlike Anchor's 620 it does not come with a heavy experience gate — experience moves the leverage here, not the eligibility. No pay stubs, bank statements or tax returns.
The closing time, which is not a column.
A SIXTH BASIS: 5 to 7 business days FROM APPRAISAL RECEIPT, which starts the clock after the slowest step rather than before it. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
44 states — AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WYPublished as nationwide except Arizona, Minnesota, North Dakota, Nevada, South Dakota, Vermont and West Virginia. The page calls this 43 states; excluding seven from fifty leaves forty-three, so DC is presumably not counted. NEVADA and ARIZONA are the distinguishing exclusions — only LendingOne otherwise drops Nevada.
620620 ties Anchor for the second-lowest published floor, and unlike Anchor it does not come with a heavy experience gate — the experience effect here is on leverage, not eligibility. No pay stubs, bank statements or tax returns are required.
Tiered by experienceLeverage is stated as experience-based across a 70-90% band, without numeric tiers.A licensed contractor or agent is stated to reach the top of the leverage band alongside experienced borrowers. That is a credential substituting for a track record, and it is unique in this file.
70% of purchaseTop of the published 70-90% loan-to-purchase band.Published as loan-to-purchase, scaled by experience, with rehab funded separately at 100%.
5 daysPublished as 5-7 business days FROM APPRAISAL RECEIPT — a sixth basis in this column, and one that starts the clock after the slowest step rather than before it.A SIXTH BASIS: 5 to 7 business days FROM APPRAISAL RECEIPT, which starts the clock after the slowest step rather than before it.
Not publishedA self-declared personal financial statement is required in place of bank statements, which gives the underwriter a picture of liquidity without setting a threshold.
provenance (not a contradiction — a sourcing caveat)
Every figure on this row comes from a We Lend BLOG ARTICLE on their own domain, not from a product or terms page. It is a primary source under collection rule 1, but it is marketing content with a publication date rather than a maintained rate sheet.
The fix-and-flip product page itself publishes only funded-deal case studies with no guideline table.
ZINC publishes no experience tiering and no experience requirement. It also publishes no ARV cap and no credit floor, which matters more than usual here: 100% of purchase and 100% of rehab is the most aggressive headline in this file, and the constraint that would normally bind it is simply absent from the page.
The credit floor.
Not published, and neither is an ARV cap. On a programme advertising 100% of purchase and 100% of rehab, those are the two figures that would normally tell you where the ceiling is.
The closing time, which is not a column.
A FIFTH BASIS: 7 to 10 days AFTER every third-party and borrower deliverable is in — a clock that starts once the slow part is already done. Lenders count this from six different starting points, so it is reported per lender rather than lined up.
1 states — CAThe loan-programs page states 'CA Only' for this product. ZINC's referral programme separately references restricted states nationally, so confirm whether the lending footprint is genuinely California only or whether this page is out of date.
Not publishedA Request a Draw tool is published for borrowers and fund control with inspection-based draws is referenced, but whether money is advanced or reimbursed is not stated.
7 daysPublished as 7-10 days AFTER all deliverables are in from third parties and the borrower — a fifth measurement basis in this column, and one that excludes however long those deliverables take to arrive.A FIFTH BASIS: 7 to 10 days AFTER every third-party and borrower deliverable is in — a clock that starts once the slow part is already done.
Every value is its own link. The hairline under a figure means a source sits behind it; tap or click opens the source, the quote and the date it was read.
What each column means
Max leverage.
The largest loan the lender will write, as a share of something. Which something differs — purchase plus rehab, or purchase price alone with rehab funded on top — so the basis is printed with every figure. Sorting this column lines up percentages rather than loans; a notice says so whenever that order is active.
ARV cap.
The ceiling on the loan as a share of the after-repair value: what the property is expected to be worth once the work is finished. Unlike maximum leverage this is one measurement across every lender that publishes it, so it orders cleanly.
Min credit score.
The lowest credit score the lender publishes. Nearly every one is conditional on something else, so the condition is printed with the number.
Rehab financed.
How much of the renovation budget the lender will fund. A percentage on its own can hide a dollar cap, so check the row detail.
Access channel.
Whether a borrower applies to the lender directly, only through a licensed broker, or either way.
Loan amount.
The smallest and largest loan the lender publishes for this product.
Last verified.
The oldest collection date on this row. Every figure carries its own date, and this is the least recent of them — so the row is at least this current, and no more.
312 figures were collected from primary sources only — each lender’s own site, product pages and FAQs — and read between 2026-09-03 and 2026-09-06. 166 are published by the lender; 146 are not. Time to Three criteria were collected and dropped as columns. Time to close, because the lenders here measure it six different ways. Draw type, which one of them publishes. Interest structure, which two publish — including the only lender anywhere in the set that lets the borrower choose the basis. All three are in every full record. What has changed since publication.
What the numbers don’t tell you
Experience doesn’t travel
Prior deals do not count the same way everywhere, and two of the broker-channel lenders make the point most clearly. RCN Capital counts prior flips only in the same state as the subject property, within the last three years — eight Ohio flips buying in Georgia underwrites as a zero-flip borrower. Rehab Financial Group runs the same idea the other way, counting one completed project with them as equal to three elsewhere. Among the lenders here, Lima One counts the sale or refinance of any investment property you held title on, not only a completed flip, which is a broader definition than the phrase “one exit required” suggests.
A low credit floor is paid for somewhere else
Anchor Loans, which we collected in full and no longer show, publishes a 620 floor — the joint lowest of everything we have read — and the heaviest experience requirement: easy pre-approval expects three or more successful flips in the last twelve months, and the best rates five or more in eighteen. Roc Capital, which is broker-channel and not a row here, runs the trade in the opposite direction — a 740-plus credit score substitutes for experience entirely, financing up to 90% of purchase for a first-time investor. Both structures are legitimate, and a borrower at 660 with no flips gets a very different answer from each. A credit column read on its own would put Anchor first and be wrong. Among the lenders still on this table the same trade runs through AccoLend, whose floor is 620 for experienced borrowers and 650 for first-timers — the only one anywhere in the collection that asks beginners for a better score than veterans.
“No money down” is not “no cash”
Rehab Financial Group finances 100% of purchase and 100% of rehab, the only genuine no-money-down structure collected. It also requires the greater of $15,000 or 25% of the rehab budget in documented liquidity, plus closing costs that may not be financed, plus roughly six months of carrying reserves. Their published cap is also a ladder rather than a number: 65% of ARV at a 650 score, 70% at 700, and 75% only with 700 plus a completed project. “650 minimum” and “up to 75% of ARV” are both true and no single borrower can have both.
Lenders contradict themselves
Park Place Finance, collected and not shown, publishes four different term ranges and three different maximum loan amounts across two of its own pages. LendingOne, also collected and not shown, publishes three different closing times on one page — five days in the hero, seven to ten in its own comparison table, ten business days in the FAQ. Kiavi states both 100% and 95% loan-to-cost on the same page. None of that is hidden below; every instance is recorded with both sources and the date, under the lender’s own detail. When a lender says three things, the honest presentation is to show all three.
Nobody publishes how the interest accrues
Only Lima One and Private Money Lenders state whether interest accrues on the full loan or only on what you have drawn — and PML is the only lender we have read anywhere that lets the borrower choose which basis to take. The other eleven do not say, and it is not a small omission. LendingOne states it too, and is no longer on this table; the changelog says why. On the example deal in our cost-of-capital calculator — a $350,000 purchase with a $100,000 rehab, a $400,000 loan at 11.5% with 2 points, held 9 months — charging interest on the full commitment instead of the drawn balance costs $2,396 more, about 6% of the total financing cost. That is the arithmetic on one deal rather than a survey of the market, and on a larger rehab holdback the gap is wider. Draw type is nearly as bad: twelve of the thirteen do not publish whether rehab funds are advanced before the work or reimbursed after it, even where the draw process is otherwise documented in detail. Private Money Lenders is the sole exception, and it says plainly that draws are reimbursed after an inspector clears the work. Advanced against reimbursed is probably the largest single driver of how much of your own cash a project ties up, and you will not find it on any of these pages.
Each lender's own published pages, and nothing else. No review sites, no directories, no roundups. That rule earned its place during collection: third-party FICO figures were wrong for every lender sampled, in some cases by 60 to 80 points or a full product tier, and two directories gave contradictory state lists for the same lender. Every figure on this page carries its own source link and the date it was read, because provenance here is per field rather than per lender — Anchor's entity rule comes from a blog FAQ, its loan range from a location page and its FICO floor from the product page, all on one row.
Why is there no best lender here?
Because there is no honest way to publish one. These lenders are not measuring the same things: leverage is quoted against three different denominators, closing times are counted from six different starting points, and a low credit floor at one lender is paid for with an experience requirement that would rule out most readers. A ranking would have to flatten all of that into an order, and the order would be wrong for most people reading it. This page routinely shows that a competitor fits a deal better than the alternatives, and that is the point of it rather than a cost of it.
Why does the table start at no flips?
Because published leverage is conditional on experience at most lenders, and the industry convention is to print the best case. A static table that does that shows leverage no first-time borrower can get. Starting at no flips corrects the failure mode rather than reproducing it. Selecting a different tier re-renders the leverage figures to that tier's published values; lenders that publish no tiering show the same numbers at all three, and say so.
Why do so many cells say not published?
Because that is the answer. A blank invites a reader to assume, and a borrowed number invites them to act on something the lender never said. Interest accrual basis is unpublished on eleven of the thirteen lenders here. Draw type — whether rehab money is advanced before work or reimbursed after it — is unpublished on twelve of the thirteen, even at lenders that document their draw process in detail; exactly one says outright that its draws are reimbursed. Those absences are the most useful thing on the page, because they are the questions to ask before signing.
Why can I sort some columns and not others?
Four of them order cleanly and one comes with a warning. Minimum credit score, minimum loan amount and the ARV cap are each a single measurement, defined the same way by every lender that publishes one, so putting them in order compares like with like. Maximum leverage is the exception: five of these lenders publish a share of total cost, five publish a share of the purchase price with rehab funded on top, and three publish no basis at all — so an order across that column lines up percentages rather than loans, and a notice says so whenever it is the active order. The basis is printed beside every figure, which is the thing to read before you read the order. Everywhere, lenders that publish nothing sort to the bottom rather than the top, because not publishing a number is not the same as having the lowest one. The table opens alphabetically and there is always a click back to it — any other order is one you asked for, not a ranking this page publishes.
Why is there no time-to-close column?
Because the seventeen lenders here are not measuring the same thing, and by the end it was six different things. Some count from application. One counts from final approval, which skips everything before it. One counts to issuing loan documents rather than to funding. One starts the clock only after every third-party and borrower deliverable is in — that is, after the slow part is already done. One counts from receipt of the appraisal. Lined up in a column those numbers would rank a lender fastest on a measurement nobody else is using, and no footnote small enough to fit in a table header can carry that. The figures are all still collected and every one appears in that lender's expanded record with a note saying what it counts from. If you need to compare closing speed, that is the honest place to do it, one lender at a time.
Which lenders are missing?
Broker-channel lenders. Four collected lenders — Roc Capital, RCN Capital, Temple View Capital and Rehab Financial Group — are wholly or partly broker-only, meaning a borrower cannot apply to them directly. A borrower-facing comparison should not lead with lenders a borrower cannot reach, so they are not rows. Their published guidelines are still cited below where they explain something the eight displayed lenders do not, and the collected data is retained rather than deleted.
10 further lenders were collected and are not shown here: LendingOne, Anchor Loans, Roc Capital, Park Place Finance, RCN Capital, Temple View Capital, Rehab Financial Group, Backflip, Visio Lending, Pineyro Capital Group (SellMoneyMakeMoney). Four are broker-channel and three publish nothing this page can compare. Their guidelines are retained in full, and the changelog dates and explains every one of those decisions.
Every figure was read from the lender’s own published pages and carries its source and the date it was read. This page describes published lending guidelines. It is not a loan offer, not a commitment to lend, and not advice about which loan to take.