01
No credit check
No minimum credit score and no hard credit pull for this program.
No-Credit Fix & Flip
Fix and flip loans with no credit check and no experience required.
Up to 90% of the purchase and 100% of the rehab, capped at 75% of ARV — with no credit check, no appraisal, and no prior flips required. Available only for properties in our listed service areas.
No credit check · No experience · 100% rehab
Up to 90%
Of purchase price
100%
Of rehab funded
75%
Max loan-to-ARV
~48 hrs
Closings from clear title
Why flippers choose it
The deal qualifies — not your credit report.
02
No experience needed
Built for first-time flippers as well as seasoned investors.
03
No appraisal
In-house market analysis of comparable sales instead of a third-party appraisal.
04
Fast rehab draws
Self-inspection through an app, paid invoices in, funds typically within 72 hours. No draw fees.
Program details
How the program works
Loan terms
3- and 6-month terms, with a discounted extension option while the loan is current and work is progressing.
Down payment
First-time clients typically bring 10% down; repeat borrowers may qualify for less. Down payment adjusts to stay under 75% of ARV.
Property types
Single-family, duplex, triplex, quadplex, and small multifamily up to a $1M loan amount. Non-owner-occupied investment properties only.
Not eligible
Land, manufactured homes, condos, and shared-wall units such as townhomes or row homes.
Documentation
Minimal document collection — no appraisal, credit check, or background check on this program.
Valuation
Comparable sales of similar properties within about 15% of size over the prior six months.
Service areas
Available only in these markets
No-Credit Fix & Flip is limited to the cities below. Outside these areas, our other fix and flip programs may still fit — including options for first-time investors and credit scores as low as 520.
Alabama
ALBirmingham · Huntsville · Mobile · Montgomery · Tuscaloosa
Florida
FLFort Myers · Gainesville · Jacksonville · Orlando · Tampa
Georgia
GAAtlanta · Augusta · Columbus
Indiana
INFort Wayne · Indianapolis · Northwest Indiana · South Bend
Kansas City (MO/KS)
MOKansas City
Kentucky
KYBowling Green · Lexington · Louisville
North Carolina
NCCharlotte
Ohio
OHAkron · Cincinnati · Cleveland · Columbus · Toledo
South Carolina
SCMyrtle Beach
Tennessee
TNChattanooga · Knoxville · Nashville
Texas
TXAustin · Dallas–Fort Worth · Houston · San Antonio
Virginia
VAAlexandria · Arlington · Chesapeake · Newport News · Norfolk
FAQ
No-credit flip loans in select markets: common questions
No-Credit Fix & Flip is available only for properties in the listed service areas. Terms shown are program maximums and typical timelines, not guarantees. All loans are for non-owner-occupied investment property and are subject to eligibility, property review, valuation, and final approval. This is not a commitment to lend.
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