eFunder Capital helps real estate investors structure fix and flip financing with clarity, speed, and execution-focused guidance. Whether funding a first project or managing multiple renovations, we help align financing structure with the deal, timeline, and liquidity needs.
of Purchase
of Rehab
Investor-Focused Structures
Loans
In real estate, leverage is shaped by your credit score and experience. For new investors with limited experience (fewer than three flips in three years) and less-than-stellar credit, hard money lenders often reduce leverage, requiring higher down payments.
Experienced investors (3+ flips in the last three years) with excellent credit often receive the best terms, including up to 90% LTV (a $25,000 down payment) of the purchase price plus 100% of the renovation costs up to 75% of the ARV.
Understanding these factors helps you make informed decisions and maximize success in the competitive world of property flipping.
Real estate experts often claim that a great deal can make your credit score less critical, particularly when working with private lenders. Private lenders are typically individuals, such as family or friends, who fund deals based on your proven track record rather than focusing on credit. These lenders might draw from retirement accounts, cash value life insurance, or personal savings, creating a relationship-driven lending process that relies on trust and your history of success.
On the other hand, institutional lenders—including banks and hard money lenders—place significant weight on your credit score. This factor often determines their willingness to finance your project, no matter how profitable the deal appears. Credit requirements can shift with market conditions, and a lower score may result in reduced leverage and higher upfront costs. If your credit score needs improvement, it’s smart to start addressing it early using resources like eFunderCredit.com, which can help strengthen your financial standing.
What are the requirements?
Sales Contract
Corporate Documents (EIN, Articles of Organization, Operating Agreement)
Last Two Years of Federal Tax Returns (depends on the lender behind the loan)
Three Months of Bank Statements (account must show enough for your down payment and closing costs)
Photo ID (Driver License)
Investment Experience Summary (have your purchase and sold HUDs to prove your experience)
Ready to Get Started?
Submit your deal details and our team will help identify the cleanest financing path based on the property, budget, timeline, and exit strategy.
Please be as detailed as possible.
