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Fix & Flip Loans California

Fix & Flip / Fix & Hold Loans

Use our signature Fix and Flip loan product to help fund your next flip. Whether you’ve flipped 100 or this is your first time, we provide fast, dependable, proven capital at competitive rates to make your next project profitable.

Want to Buy and Hold? Use the BRRRR Method – Use our capital to Buy, Rehab, Rent, Refinance & Repeat!

  • Investment Properties Only
  • Close in 3-5 days
  • We pay Brokers
  • First Time Flippers Welcome
  • Higher Leverage with More Experience
  • Lending Since 2006

Call 858.720.0229

Program Terms

For our most experienced borrowers

LOAN AMOUNT$125,000 to $3,500,000
MINIMUM CREDIT660
RATES9.99% – 13.99%
POINTS1-3%
PAYMENTMonthly, Interest Only, No Prepay Penalty
Loan to Cost (LTC)Up to 93%
Loan To Value (LTV)Up to 90%
After Repair Value (ARV)Up to 75%
LOAN TERM12-24 Months
ELIGIBLE LOAN TYPESPurchase+Rehab, Refinance+Rehab, Buy and Flip, Buy & Hold

NEW TO FLIPPING? NO FLIPPING EXPERIENCE? NO PROBLEM! CLICK BELOW!

Compare Programs for New and Experienced Flippers

Loan Details

Property Types-Urban and Suburban Properties
Closing Costs
Documentation Needed
Property Types-Urban and Suburban Properties

Park Place Finance specializes in residential real estate and can fund various properties in 47 States, with the following Investment Property Types:

  • Single Family Homes
  • Duplex, Triplex, Quadplex
  • Condominiums
  • Townhouses

Closing Costs

Park Place Finance eliminates junk fees and has straight-forward pricing when it comes to fees associated with closing your loan.

  • Document Preparation Fee – $1,995.00
  • Legal Fee/Recording – $695.00
  • Appraisal: $500-700 typically

Documentation Needed

You’ll love the ease of closing with Park Place Finance, because of our common sense underwriting. No Tax Returns, No Income Verification, and No Debt Ratio to Qualify! To speed up the process, here’s the main items you’ll need to gather:

  • Purchase Contract (If Purchase)
  • Rehab Budget
  • Last 2 Bank Statements
  • Property Insurance
  • Driver’s License
  • LLC / Entity Docs (if in LLC)

Discover the Park Place Advantage!

Close Fast (Typically 3-5 Business Days)

Competitive Rates (Rates from 9.99%)

Nationally Trusted (Over 1 Billion Funded!)

Trusted by thousands of Real Estate Investors

We’ve closed over 4,000 loans and have funded over $1 Billion since 2006. We know how to help make sure your next project is profitable with our combined 50+ years of lending experience among our executive team. Call us today to help make your next investment property a success!

Fix and Flip Resources

California Real Estate Market Update: Prices, Rates, and Inflation Impact – February 2025

Read More »
This is a photo of home for the header for a blog about the Case Schiller Index as it relates to Hard Money.

The 24 Hour Express Loan Approval

Read More »

Cold Weather, Hot Deals: The Benefits of Flipping in Winter…

Read More »

Frequently Asked Questions

How do you determine my rate, leverage and loan terms for a Fix and Flip loan?

Rates and leverage are dependent on risk. Risk is measured on flipping experience, credit, loan details, and loan term. You are able to set your loan term from 6-18 months.  The rate and allowable max leverages will be determined on a number of factors including credit profile, experience and project size.  Get started today to find out where you qualify.  It just takes a couple minutes to submit your application!

What if I finish my Fix and Flip project early?

Great- there is no pre-payment penalty, so you can pay-off the loan at anytime, without incurring additional fees. Your interest is simply calculated by the days you hold the loan before payoff.

Can I extend my Fix and Flip loan?

Generally, yes.  However, approval of an extension is considered with a few factors including but not limited to, on-time payment history, project status, etc. 

What if my credit is below 640?

We can look at exceptions down to 600 with compensating factors such as experience and additional guarantors.

Do you lend to First Time Flippers?

YES! We love helping first-time flippers. In fact, many of our expert flippers started their first flip financing with us.. With 4,000+ loans closed, we are here to help you with any questions you have including budget reviews, property valuations, and profitability analysis. Our goal is to make your flip a financial success for you!

Recently Funded

No Time Wasted: 42 Days to Market in Santa Maria

No Time Wasted: 42 Days to Market in Santa Maria

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San Diego Fix & Flip Kitchen

Fast & Profitable: This San Diego Fix & Flip Was Completed in 90 Days!

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Jarupa Valley Success: A Shining Example of How to Conduct a Fix & Flip

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Stunning Las Vegas Fix and Flip

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Palm Springs Mid-Century Revival -- BIA Leasehold Mortgage Success

Palm Springs Mid-Century Revival — BIA Leasehold Mortgage Success

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Showcasing a Stunning Success in Coeur d'Alene, Idaho

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Successful Fix and Flip in Coastal California - Lompoc, CA

Successful Fix and Flip in Coastal California – Lompoc, CA

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Loan Amount:
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Fix & Flip Lender in Las Vegas, Kitchen Remodel

A Flip Transformation in Vegas (Before and After)

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Loan Amount:
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Location:
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San Diego County Fix and Flip Kitchen, from Lantzman Lending

San Diego County Fix and Flip Loans from Lantzman Lending

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Loan Amount:
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What Our
customers say

I used Lantzman Lending for a construction loan last year. The quick approval process and timely releases of construction draws kept my project on schedule. Thanks Lantzman Lending!

Fabio R. - Homebuilder

I have been working with Lantzman Lending for years now! You feel like part of the team when working with this company. You know everyone you are working with and they always make you feel comfortable and appreciated as a Borrower.

Alex H. - Investor

I have been in the Fix and Flip business now for 15 years. Lantzman Lending has been by far the best Lender to work with. They always are available and do exactly as they promise

Robert L. Investor

Explore our other loan products

Bridge

A short-term loan used to acquire or refinance a property when conventional financing is not available or will take too long to close.
View Our Terms

DSCR

Designed to assist real estate investors with their long-term rental properties.
View Our Terms

Ground Up Construction

Designed to provide a streamlined funding solution to build single family projects.
View Our Terms

Rapid Rate Quote

Share some basic details about the financing you’re looking for by answering a few simple questions. We’ll take a look and reach out to discuss your loan options.

Call 858.720.0229

858-720-0229

11696 Sorrento Valley Rd, Suite 201
San Diego, CA 92121
*CA-DBO CFL #603-e104 | CA-BRE #01522724

*Loans arranged under the authority of our CFL license will be made pursuant to a California Financing Law License

6671 S. Las Vegas Blvd., Suite 210, Office 201
Las Vegas, NV 89119
MLD 4649 and 4615 | NMLS 1578116

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