Get Your First (Or Next) Real Estate Investment Funded with 100% Financing
Plus, we'll show you how to find the best off-market deals that are guaranteed to turn a profit
Want to purchase your next Real Estate investment with no out-of-pocket money? Schedule a call to see if you qualify for our Hard Money Financing.
How Do You Qualify for 100% Hard Money Financing?
The main number that you need to keep in mind is 74%.
We're willing to lend up to 74% of a property’s after repair value (ARV)—so if you can fit all your costs under that 74% number, then you’ve got a great shot at 100% financing.
Here’s how that looks:
Let’s say that you find a property that you think will sell for $300k once you’ve fixed it up.
$300,000 x 74% = $222,000
The most important factor for 100% financing is that you get a great deal on a house. The Investor's Edge is a private hard money lender, and we lend to anyone who meets the criteria, even if this is your first real estate investment.
That means we’ll lend you up to $222,000 for a house with an ARV of $300,000. If you can purchase the house, repair it, and cover closing and loan costs for less than $222,000, you’re likely to qualify for our 100% financing option.
Let’s break that down a little further. Let's say it’s going to cost you $50k to fix it up, and another $20k in closing and loan costs.
That means your target purchase price for that property is $152,000. To get the $152,000, we took the $220,000 and subtracted $50,000 for the rehab and $20,000 for closing and loan costs. That leaves us with $152,000 for the purchase price. If you can secure that price, you’ll likely qualify!
Here’s a real-life example of a deal that one of our members found. These numbers were calculated using our proprietary Advanced Deal Analyzer software (you'll get access to this too):
$0 cash-to-close with an estimated net profit of nearly $60k.
These are the kind of home run deals that our members are finding every day using our system.
We Evaluate Deals, Not People
You’ll notice that not once did we talk about our borrower’s requirements.
That’s because we only care about the profitability of the deal.
We don’t require:
- Previous experience
- Credit Score
- Minimum Down Payment
No matter who you are, no matter your past (with very few exceptions), and no matter how much money you have or make, you can go out and find a great deal that we’ll finance at 100%.
What If Your Loan Doesn't Qualify for 100% Financing?
Not all loans qualify for 100% financing.
Only the best deals qualify for 100% financing—37% of our borrowers qualify for 100% financing loans—but that doesn’t mean it’s not a good deal.
It’s still possible to make a profit with a little hard work.
Many house flippers can be financially successful without 100% financing.
If your loan doesn’t qualify, don’t turn elsewhere for funds. We still have great options for you.
In fact, our median cash-to-close number is $2,183—much lower than what borrowers pay with any other hard money lender out there.
While looking for deals that qualify for 100% financing, you’ll still come across these types of deals—ones that require $5k cash-to-close, but can result in $30k or more in profit.
But what if you don’t have $5k?
The first thing you do is to try to negotiate the price downward. Explain to the seller that in order to make the deal work that you need that price.
If that doesn’t work, we’ll teach you our proven systems to find other sources of money. A significant benefit and draw of our unique system is educating our customers. This is why we’re great hard money lenders for new investors. We’ll teach you strategies such as:
- Home equity line of credit
- Retirement accounts
- “Love” money
The point is this: Don’t step over quarters looking for a dollar.
Take these deals along the way, even if they’re not the perfect 100% financing deals you’re looking for.
Even without 100% financing, you can still make a profit on a house.
Here's How Our Proprietary House Flipping System Works:
1. Master Finding Off-Market Deals
Members get access to our Investor's Edge Software, our deal-finding software with access to over 160 million property records in the US.
Sort by foreclosures, liens, cash buyers, vacancies, absentee owners and much more. Our members report that finding potential deals is no longer a problem.
Watch a quick demo where I find potential deals (and send them postcards) within 12 minutes!
2. Marketing Resources
The better you are at finding and closing, the more properties you bring us. It’s a classic win/win.
That’s why our system includes:
Postcard templates
Phone scripts
Contract templates
Motivated seller checklists
Rehab checklists and estimates
And much more. We put everything we could think of in there.
3. Advanced Deal Analyzer
Once you think you’ve got a decent deal on your hands, head on over to our Advanced Deal Analyzer software. Plug in your purchase price, rehab costs, and After Repair Value and you’ll see a complete breakdown of all your costs.
Within a few seconds, you’ll know if you’ve got a viable deal that qualifies for our 100% financing program, or if you’ll need some cash-to-close.
Our successful members use this tool almost daily.
4. Two-Step Evaluation Process
After you’ve plugged in numbers into the Advanced Deal Analyzer and you bring the deal to our attention, we’ll then do our own research.
Our 2-step evaluation involves a virtual assessment done by a member of our team. At that point we’ll then hire 2 independent experts to assign values to the property.
If everything checks out, then it’s time to move ahead. We’ll do everything in our power to keep you from getting into losing deals.
5. Up To 100% Funding On Your Next Deal
We have members that have completed a fix and flip with $0 cash-to-close!
Not all deals are created equal. For really great deals with lots of equity we provide up to 100% funding. With that said, there are good deals that will require some cash to close, but are still really profitable and should be flipped.
We work with you to help you qualify deals before you ever get them under contract so you will have a good idea on how much funding your deal will be approved for.
It doesn't matter if you have bad credit and no flips under your belt... all we care about is the profitability of your deal. You don't need experience because we have it, and we'll be there every step of the way.
See a copy of an actual 100% funding deal that we funded in Lousiana with one of our members!
6. Loan Rates and Details
- No minimum credit score
- No experience required
- Up to 100% financing
- Interest rates beginning at 12%
- Origination as low as 3.5%
- Lend up to 74% ARV
- Loans up to $350k
- No prepayment penalties
- No payments for 5 months
Note: This is only for real estate investment properties up to 4 units. We don't fund commercial properties. We don't fund personal residences (It must be vacant for the rehab). We also don't fund personal loans/business loans (Not really related, but we get that question a lot).
7. Step-By-Step Through The Rehab Process
Rehabbing a property is complicated.
You have to manage general contractors, bids, loan deadlines, emergencies, figuring out what to rehab, and supervising the project.
That's why we'll assign you a former general contractor to act as your project manager, as well as a dedicated loan servicer to check in with you.
We're only as successful as you are... so we'll do everything we can to make this work!
8. Sell the House, Take Your Profits, and Do It Again!
This is what it is all about.
You sell the property at the After Repair Value, pay off your loan, and take your profits.
Make sure you do something to celebrate and then start the process all over again with us. We can help you flip multiple properties at a time once you have some experience under your belt.
Ready to Take The First Step?
Where We Lend:
We currently lend in 39 out of the 50 states in the United States.
Because of different restrictions and regulations state-by-state, we can’t lend in every state.
At the moment, we don't lend in California, Nevada, Utah, Alaska, Minnesota, North Dakota, South Dakota, Vermont, Oregon, Idaho and Hawaii.
Ptolemy's Review:
Ptolemy has 20 years experience as a teacher, but wanted to start supplementing his teacher salary with some real estate deals. He researched a lot of hard money lenders, but chose The Investor's Edge for his first deal because we work with 1st time flippers and walk them through the process. He is expecting to make around $80,000 to $100,000 in profit on this flip. He wants to do more flips to upgrade his lifestyle for himself, his wife, and his kids. Watch his experience now.
Choose The Investor's Edge
While we do fund deals for experienced investors, our main goal is to help new investors get started.
That’s why we created a sustainable way to do just that with our system.
Then we put together loan programs that make sense for everyone.
We want to remove barriers to entry for first-time flippers.
We’re focused on your success.
We provide training and software so that you can make a profit in the house flipping business.
We’re willing to take on more risk because we have the experience and systems in place to give you the best chance of success.
We’ve been in the business for over 20 years and have hundreds of videos and five types of software to help you become an experienced flipper.
Plus, it just makes us happier to give people a shot at financial freedom, as long as they’re willing to work hard.
Let’s work together to flip your first (or next) deal.