About
600+ (ttm)
Properties Funded
Founded in 2020 and headquartered in Houston, Texas, FlipCo Financial is a true balance sheet lender that sets its own risk tolerance, cutting out the committee delays and broker dependencies that slow down most institutional capital sources. Their doc-lite process requires fewer than 10 standard documents, so investors spend less time chasing paperwork and more time executing deals. FlipperForce investors can submit professional Investment Reports and itemized Rehab Estimator scopes of work directly from the platform, giving FlipCo's in-house underwriters the ARV support and budget alignment they need to issue fast approvals. What sets FlipCo apart: no hard credit pull, no formal appraisals, closings as fast as 1 day, and a flat $250 legal fee with zero junk charges.
Key Differentiators
Why investors choose this lender:
- True balance sheet lender — sets its own risk tolerance with no committee delays or broker dependencies
- $500M+ deployed since 2020 — significant volume for a lender founded just 5 years ago, reflecting rapid market trust
- Fix-and-flip and bridge focus — purpose-built programs for active residential investors without unnecessary product complexity
- 16-state regional footprint — concentrated in the South and Midwest's most active residential investment markets
- Houston TX HQ — Texas-based with deep roots in one of the country's highest-volume SFR investment markets
Where They Lend
16 States: AL, AR, FL, GA, IN, KS, KY, MO, NC, OH, OK, PA, SC, TN, TX, VA
As a dedicated local lender, FlipCo Financial operates with direct boots on the ground across 16 states in the South, Midwest, and Southeast, with the heaviest deployment concentrated in Texas, Florida, and Georgia. This deep regional focus ensures they know the hyper-local neighborhood comps, municipal permit processes, and market dynamics better than out-of-state institutional platforms. Properties must be located within one hour of a major metro area or in a market with a minimum population of 30,000.
al ar fl ga in ks ky mo nc oh ok pa sc tn tx va
Loan Types, Structures and Terms
$25,000 to $1,200,000
Typical Loan Amounts
3 to 6 Months
Typical Terms
11.00% to 11.99%
Typical Interest Rates
FlipCo Financial offers asset-based financing structures designed to fund short-term capital needs, including rapid fix-and-flip bridge loans and flexible short-term bridge financing for acquisitions, refinances, and fix-to-rent BRRRR strategies.
FlipCo Financial Fix & Flip Loans support real estate investors through the entire lifecycle of a short-term project, funding up to 90% of purchase and 90% of rehab costs capped at 75% ARV, from acquisition through renovation to final resale.
| Fix & Flip Feature |
Structure & Terms |
| Project Types | Single-family, 2-4 units residential, multifamily up to 20 units, select mixed-use |
| Loan Limits & Terms | $25,000 to $1,200,000 | 3 to 6 months (with automatic 3-month extension at 0.50%) | Interest-only, first-lien |
| Leverage Ratios (LTC/ARV) | Up to 90% of Purchase Price, 90% of Rehab Budget (Max 90% LTC / 75% ARV) |
| Structural Advantages | No formal appraisals required. No minimum credit score for flip exit strategies. Interest charged only on funds drawn from rehab budget. |
FlipCo Financial Short-Term Bridge Loans provide flexible, fast-close capital for real estate investors executing as-is acquisitions, rate-term refinances, cash-out transactions, or BRRRR-strategy rehabs with a planned DSCR rental refinance exit.
| Bridge Loan Feature |
Structure & Terms |
| Use Cases | As-is purchases, rate-term refinances, cash-out refinances, tenant-occupied transitional holds, cosmetic-only projects, and BRRRR fix-to-rent acquisitions with a planned DSCR long-term refi exit. |
| Property Types | Single-family residences, 2-4 unit residential, multifamily up to 20 units, select mixed-use. No condos, land, ground-up construction, or commercial properties. |
| Loan Limits & Terms | $25,000 to $1,200,000 | 3 to 6 months with automatic 3-month extension at 0.50% | Interest-only monthly payments, first-lien position | 11.00% to 11.99% rate | 2% origination plus flat $250 legal document fee | No prepayment penalty |
| Leverage Ratios (LTV/LTC) | As-Is Purchase: Up to 75% LTP | Rate-Term Refi: Up to 75% LTV | Cash-Out Refi: Up to 60% LTV | BRRRR Fix-to-Rent: Up to 90% purchase + 90% rehab, capped at 75% ARV - requires 680+ FICO for DSCR refinance exit |
| Structural Advantages | Closes as fast as 1 day with no hard credit pull, no formal appraisal, and no W-2 documents required. Proof of funds letters available. BRRRR investors can model projected DSCR and cash-on-cash returns inside the FlipperForce BRRRR Analyzer before committing to the bridge, validating their rental exit before closing. |
Don't lose the deal waiting on financing. Apply now and get pre-approved today.
Borrower Qualifications (Are you qualified?)
FlipCo Financial underwrites deals based on the asset's value and the quality of the rehab scope - not the borrower's personal income history or tax returns. Investors at all experience levels are welcome, and there is no minimum credit score requirement when the exit strategy is a property sale.
| Qualification Parameter |
Lender Requirements |
| Experience Levels | All Levels Welcome. Zero prior exits required. First-time flippers are accepted. For heavy rehabs or complex projects, FlipCo may require either borrower experience or a demonstrated local contractor team capable of managing the renovation. |
| Credit Requirement | No Minimum FICO for Fix-and-Flip. Credit is self-stated and not hard-pulled for flip exit strategies. A minimum 680 FICO is required if the borrower intends to exit via a DSCR rental loan refinance. |
| Income Verification | No W-2s or Tax Returns Required. FlipCo is a true asset-based lender - qualification is driven entirely by the property value, ARV comps, and the itemized scope of work submitted at underwriting. |
| Entity Requirement | Flexible Entity Requirements. FlipCo will lend to individuals, LLCs, limited partnerships, and corporations. Foreign nationals are also considered on a case-by-case basis. |
Underwriting Process (How long will it take to get approved?)
FlipCo Financial operates as a true balance sheet lender, making all credit decisions in-house without third-party appraisal delays. Their doc-lite checklist requires fewer than 10 standard documents, and their internal desktop appraisal process verifies ARV using recent comparable sales without scheduling a formal appraisal.
| Stage / Requirement |
Process & Timelines |
| Initial Review | FlipCo's in-house team reviews the deal package and scope of work upon submission. Their doc-lite checklist (under 10 standard documents) keeps this stage lean and fast compared to traditional lenders. |
| Property Valuation | No third-party appraisals required. FlipCo performs an internal Desktop Appraisal to verify ARV using comps that are recent (within 90 days, up to 6 months), nearby (within 1 mile), and comparable in size and condition. |
| Speed to Close | Typical closing time is 3 business days, with the fastest recorded close in 1 business day. FlipCo will also issue Proof of Funds letters and lend on auction purchases. |
| Document Checklist | Bank statements, loan application, property purchase contract, entity documentation (if applicable), and an itemized Scope of Work (SOW). Use the FlipperForce Rehab Estimator to build a lender-ready SOW before submitting. |
Draw Process (How long will it take to get draws?)
FlipCo handles all draw servicing in-house on a reimbursement basis, with a 3-day funding turnaround after completed and paid work is submitted for review. Because interest accrues only on funds actually drawn and not the full committed rehab budget, investors managing active projects through the FlipperForce Project Budgeter and Scheduler can align contractor milestone completions directly to draw submissions, keeping cash flow predictable and contractor timelines protected throughout the rehab.
| Operational Step |
Methodology & Timelines |
| Draw System | Reimbursement-based. The investor funds each completed phase of the rehab budget upfront, then submits a draw request to FlipCo to get reimbursed. Interest accrues only on funds drawn, not the full loan amount. |
| Inspection Method | In-house servicing and draw management. FlipCo handles all draw reviews internally. Inspections are coordinated directly with the borrower to verify completed scope items before releasing funds. |
| Funding Turnaround | Once an inspection is reviewed and approved, wires are typically funded within 3 business days. Aligning your FlipperForce Scheduler milestone dates with your draw request submissions keeps contractor payments and project timelines on track. |
| Draw Fees | FlipCo charges a flat $250 loan document fee at closing with a minimum origination fee of $2,500. No additional junk fees - only origination points on the loan structure. |
