Fix & Flip Loans

Fix and Flip Loans

Reliable Capital for Smart Investors

At Lantzman Lending, we don’t just fund fix and flips—we help investors win deals in ultra-competitive markets. Whether you’re scaling your portfolio or tackling your first project, we deliver what matters most: speed, certainty, and leverage—so you can close fast and maximize your returns.

As a direct private lender, we cut out the red tape and get straight to the decision. That means same-day approvals, flexible underwriting, no appraisals, and in house cost-free construction draws.

We’ve been financing investors since 1990, giving us a true insider edge. We know what it takes to get deals done in this market—and we structure loans to help you compete like a cash buyer, even when you’re not.

Call 858.720.0229

Fast, Flexible Fix & Flip Financing for Real Estate Investor

Navigating todays dynamic real estate market requires agility and access to reliable financing. Our Fix and Flip Loans are designed to empower investors to purchase, renovate, and resell (or refinance) quickly into a permanent loan. We offer no appraisals on our loans that allows us to get loan documents out for signature in as little as 3 days. Sometimes the market demand aggressive offers and we can help you compete!

When it comes to flexibility, here are just few of the ways we can help. We offer owner-builder options, flexible ways to hold title (entity or personal name), fast cost-free fund control that won’t slow you down, and we allow you to pay your construction workers directly. And this is just scratching the surface…

We can get you pre approval letter for you offer in minutes, call us or fill our .

What Are Fix and Flip Loans?

A fix and flip loan is a short-term (6 months to 18 months), asset-based loan designed for real estate investors to purchase, renovate, and resell a property for profit. Instead of focusing heavily on income or tax returns like conventional or other bank constructions loans, these loans are primarily based on the property’s after-repair value (ARV) and the strength of the deal. We offer flexible credit & experience requirements that caters to new investors in addition to experience veterans.

Lantzman Lending provides true private money—no middlemen, no red tape, and direct access to decision-makers.

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

Lantzman Lending Reviews

4.9

Based on 47 reviews

wk geng

4 months ago

Thanks Dominic, he works really helpful and effecient. Nice to met them.

Angela Merlo-Rains

4 months ago

They helped us acquire an inherited property that was already in foreclosure — not a simple deal — and structured a hard money loan that actually set us up to succeed. They moved quickly, communicated clearly, and walked us through every step of the process. They also provided a rehab budget and withheld funds to cover loan payments, which removed a huge amount of stress and allowed us to focus on execution.

The terms were fair, transparent, and not sketchy — which is rare in this space.

We’ve been working with a lot of lenders lately as we grow our real estate portfolio, and it’s usually an exhausting experience. Overpromising, underdelivering, bait-and-switch tactics, poor communication — you name it. To the point where we joke that “all lenders are liars.”

Lantzman Lending was the complete opposite. Professional, honest, efficient, and truly aligned with our success. That combination is incredibly hard to find.

If you’re an investor looking for a lender who actually does what they say they’re going to do, and does it well — Lantzman Lending is one of the very few I would confidently recommend.

flor Zarate

4 months ago

Lantzman Lending has been our go-to for hard money loans time and time again. They’re responsive, professional, and always close on time—something every realtor values. Highly recommend if you’re looking for a reliable hard money lender.

Shahob A.

7 months ago

Pleasure to work with. Fast and reliable and they don't go looking for the money like so many other hard money lenders.

Debora Jett

7 months ago

I contacted Lantzman Lending and was lucky that Daniel Rosenberg called me back. He was such a pleasure to work with. He was always very timely in responding back to me and was very professional. I definitely would recommend this Company to all of my family and friends. Thank you so very much Daniel for everything in making this Hard Money Loan so seamless.

Howard Katz

9 months ago

We had to close on a a time sensitive real estate acquisition to buy a highly discounted property. My bank of thirty years stated no problem but they would take 6-8 weeks. The other hard lenders like Lima promised quick turnaround but then had zero respect for my time, experience and financial net worth. (I have not been messed around by a lender that much in 40 years).
I contacted Landzman. After a few hours they gave me the thumbs up that I could put in the offer. Deal done. Thanks Landzman

Marco Chavez

12 months ago

Thank you Dominic Thompson for your assistance on our loan with Lantzman Lending. Your attentiveness and communication made the loan process seamless . I highly recommend you and Lantzman Lending for any future home loans and look forward to working with you again in the near future. Thank you for all you did, as it did not go unnoticed.

Properties 24 LLC

12 months ago

On behalf of our company Properties 24 LLC, I recommend them if you are looking for loans for your fix and flips project. They are your best option. They have already financed 6 projects for us and they are very quick to give you the loans and very friendly.

Mai Yang

12 months ago

Their whole team was professional and personable. They were quick to respond, explaining and addressing any of my concerns. They explained strategies and let me do what's right for me. Their expertise and efficiency gave me the competitive edge to close on two properties. I'm looking forward to many more transactions with them.

Khalief Brown

1 year ago

My experience with Lantzman Lending was super smooth. Their entire team is attentive, they all communicated well throughout the entire process and we got the loan funded very quickly. I'd definitely recommend them and look forward to working with them again.

The Fix and Flip Loan Process

Step 1:
Contact us by phone or email

Provide details about the property, renovation plans, and your investment experience to get a quote the same day.

Step 2:
Loan Evaluation & Quote

Our team assesses the property's current value, ARV (after repair value, and your proposed budget to determine loan eligibility & we will send you a quote quickly.

Step 3:
Apply & get approved

Fill our easy application with limited information & provide a few documents that allows our team to quickly evaluate qualifications and get you a approved as fast as 24 hours.

Step 4:
We Get your loan close Quickly

Once your loan is approved, our team will reach out to escrow and get a settlement statement and prelim title report. We can have your loan documents out for signing as fast as we can gather those items.

FREQUENTLY ASKED QUESTIONS

What is the minimum credit score?

We don’t have a minimum credit score. We take into account your overall scenario. Taking into account your scenario, experience, and credit to make a common sense decision. We understand the credit reporting systems sometimes don’t tell the whole story. Call or email us today so we can review your unique scenario.

Do you have a minimum experience requirement?

No experience, no problem. If you have good credit and some reserves to the the project to the finish line, then we can help you fund your first fix flip. We also consider construction, real estate, and homeownership experience when evaluating your loan. This allows us to lend to new investors with the right borrower profile.

How fast can you close?

We can close as fast and escrow and title can get us a prelim title report and estimated settlement statement. We are a direct lender and we have funds available. We don’t look for individual investors for each loan as funds are needed. This means we are there for you when you find the right deal and we can close quickly to help you make aggressive offers.

Do you need an appraisal for your fix & flip loans?

We conduct an in house valuation that involves gathering a photos and a scope of work for renovations that can be completed quickly. Often times we can complete our valuation process in 24 hours or less once we have your application and supporting documents.

Do you allow co-investors, silent partners, or gap funding?

Yes, yes, and yes. We allow creative financing options that include all of these options. Call or email us to discuss your unique scenario.

What type of properties do you lend on?

We offer fix and flips on a number of types of assets, including Single Family Homes, Town Homes, Condos, Manufactured Homes on permanent foundations, Multi-family, and Commercial properties.

Do you work with first time flipper?

Heck yes we do! If you have a strong deal but not experience the we will lend to you. If you have no experience we want to see that you have sufficient reserves and solid plan to get to the finish line. Everyone has to start somewhere.

Do you allow seller carry loans?

Yes, we allow seller carry loans in 2nd position. If you have situation where the seller is willing to contribute some of your down payment then let’s chat about it!

Do you require a contractor for renovations?

Unlike most of our competition, we allow you to complete the renovation as an owner builder, with sub contractors, laborers, or a general contractor. We support you throughout the process to make sure we all get to the finish line.

Do you charge for fund control or construction draws?

No fund control setup fees, no draw fees, no inspection fees, and no other hidden fees for our fund control. We offer fast draws, the same or next day, and friction free fund control to make sure you get the renovation done quickly. No delays!