Short-term and long-term financing options for real estate investors. Whether you're looking to fix & flip properties or hold properties for rental income, We Finance America has flexible options suited to your strategy — placed with lenders who specialize in investor loans. Loans of $1 million and up.
Prefer email? Send us your request at Freequote@wfa.cash and we'll come back with your complimentary quote.
Checking what you qualify for is a soft pull only — no effect on your personal credit. No obligation. Prefer to just talk it through? Tap here to speak with Athena, our AI loan placement advisor — she answers instantly, day or night.
Fix and flip loans — also called house flipping loans or hard money rehab loans — are short-term financing designed for real estate investors who buy, renovate, and resell properties for profit, typically within 6 to 18 months. A fix and flip loan is short-term financing that real estate investors use to buy and renovate a property in order to resell it for a profit, a process known as house flipping.
These loans can help you turn a run-down property into a profitable resale. But they come with higher costs, shorter terms, and more risk than traditional financing. Understanding how these loans work is key before jumping into a house-flipping project — and that's exactly where our team, and our lender network, guide you every step of the way.
Minimum loan $1,000,000. Leverage, rates and terms depend on the type of property, your experience, your credit and current market conditions, and lender guidelines change often — so we quote your actual deal rather than publish numbers that may already be out of date.
One of the most important factors in getting any commercial loan — and especially fix and flip, fix and hold, and rental purchase or refinance loans on 1 to 4 unit properties — is the investor's experience in this specific space. For these investment loans, lenders weigh the decision across three roughly equal parts:
The revenue, cash flow, and profit potential of the property being purchased, rehabbed, or refinanced.
Your track record as a real estate investor. The more experience you have, the better the rate and terms you'll qualify for.
Your credit score — a strong deal and a solid track record can carry an imperfect score.
Because experience and the strength of the deal each carry as much weight as credit, an experienced investor with a strong project can qualify even if their FICO isn't perfect. That's the advantage of placing your deal through a network built for investors.
We are only able to help investors who can prove they have successfully applied for and received loans of this type for at least six properties over the past eighteen months. The more experience you have, the better the rates and terms you'll qualify for. If you don't yet meet this requirement, apply anyway — we'll kindly walk you through it, check whether another We Finance America program fits your situation, and keep you positioned for when you're ready. You'll always have a path forward with us.
Serious investors who do multiple deals a year join once and never pay a WFA placement fee again. Or pay per loan — placement fees as low as 5 basis points. Your tier is based on your investor profile and typical loan sizes.
| Membership Tier | For This Profile | One-Time Fee |
|---|---|---|
| Active Investor | $5M–$50M loans | $250,000 |
| Established Investor | $50M–$250M loans | $500,000 |
| Mega Investors & Developers | Master-planned communities, resorts, mega-projects | Custom Partnership (negotiable) |
Membership fees shown are guidelines only and are subject to change without notice at the sole discretion of the company. Your actual fee depends on your specific circumstances, including your investor profile and your real estate investment history and experience, and is negotiable. Once your membership fee is negotiated and paid, it is locked in for life — your rate will never change and you will never be charged another WFA placement fee again.
Rather not type? Athena will take your application for you — just ask.