Frequently Asked Questions
Straight answers for investors considering FlipWithAJ financing.
What loan programs do you offer?
Three core programs for residential real estate investors. Ground Up finances new construction and mid-construction projects, with draw schedules built around your build timeline. Fix & Flip covers acquisition plus renovation, sized against your purchase price and rehab budget. Bridge provides short-term capital when speed and certainty matter most — repositioning an asset, beating a deadline, or unlocking equity between transactions.
All three are short-term, business-purpose loans secured by non-owner-occupied residential property. Structure, leverage, and pricing are set per transaction based on the asset, the plan, and your experience — so a strong file gets strong terms rather than a one-size-fits-all box.
How fast can I get funded?
In as little as 7 days on straightforward transactions. What actually drives the timeline is third-party work — title, valuation, and insurance — plus how quickly documentation comes together on your side.
Borrowers who hit the fastest closes come organized: entity documents, a clear purchase contract, a realistic renovation or construction budget, proof of funds for your equity portion, and a defined exit. Send a complete file on day one and we can move at the speed the deal deserves.
Where do you lend?
Nationwide, with Las Vegas as our home base and deepest market — we know the valley's neighborhoods, contractors, and resale dynamics first-hand, which makes Nevada deals especially fast to evaluate.
Outside Nevada, we lend across the country subject to state-by-state availability and transaction specifics. If you have a live deal, reach out with the property address and we'll confirm availability quickly.
What property types do you finance?
Non-owner-occupied residential investment property: single-family homes, 2–4 unit properties, and townhomes. Within that, we finance the full investment lifecycle — ground-up builds, light and heavy renovation, and short-term bridge scenarios.
We do not finance owner-occupied homes or make consumer loans. If the property is your primary residence, we're not the right lender — by design.
Who do you lend to?
Experienced real estate investors and builders borrowing for business purposes. We require at least one completed prior investment — a finished flip, a rental renovation, or a completed build all count.
Underwriting weighs the asset, the leverage, the budget and timeline, your track record, and the exit strategy — not just a credit score. If you're a first-time investor, the fastest path to working with us is partnering with an experienced operator on your first project, then coming back with that completed deal in hand.
Do you finance owner-occupied homes?
No. Every loan we make is a business-purpose loan secured by non-owner-occupied investment property. We do not make consumer or primary-residence loans, and we verify occupancy as part of underwriting.
This keeps our lending fast and focused: investment deals are underwritten on the asset and the plan, which is exactly where we can move quickly and add value.
What determines my rate and terms?
Five things, roughly in order: the property and its value, the leverage you're requesting, the project budget and timeline, your experience with similar projects, and the credibility of your exit — sale, refinance, or lease-up.
Terms are issued per transaction after review. Nothing on this site is a commitment to lend, but the pattern is consistent: cleaner files, more experience, and more conservative leverage earn better pricing.
How do I apply?
Reach out through the contact details on our homepage with the property address, purchase price, renovation or construction budget, your intended exit, and a short summary of your experience. That's enough for us to give you a real read — usually within one business day.
From there, we'll outline proposed terms and a document checklist. Get the checklist back quickly and a 7-day close is on the table.