Frequently Asked Questions
FlipSmart Loans – Built by Flippers, for Flippers
Get the Numbers You Need—Fast
At FlipSmart Loans, we make it easy for investors to evaluate deals and secure financing with:
✅ Project Calculators – Quickly analyze Fix & Flip, DSCR, Ground-Up, and Bridge Loans to see if the numbers work.
✅ Loan Inquiry Forms – Fill out a quick form to start your loan request and receive a detailed Term Sheet with your financing options.
Run the numbers. Fill out a form. Get your deal funded.
Get Started:
Loan Calculators – Crunch the Numbers
Want to analyze your deal before applying? Use our free calculators to quickly estimate your loan terms, potential cash flow, and overall investment viability.
Fix & Flip Calculator | DSCR Calculator | Ground-Up Calculator | Bridge Loan Calculator
Run the numbers in minutes and take the guesswork out of financing.
Loan Programs – What We Offer
We provide investor-friendly loan programs designed to help you buy, renovate, rent, or refinance properties quickly and efficiently.
🏠 Fix & Flip Loans
For investors flipping distressed properties. Fast, short-term funding with high Loan-to-Cost (LTC) options.
✔ Up to 90% LTC and 75% ARV financing
✔ Short-term: 6-24 months
✔ Interest-only payments
🏢 DSCR Loans (Rental Property Loans)
For long-term rental property financing based on cash flow, not personal income.
✔ No tax returns or W2s required
✔ 30-year fixed rate & interest-only options
✔ Up to 80% LTV
🚧 Ground-Up Construction Loans
For developers building new residential or multifamily properties from the ground up.
✔ Covers land purchase + construction
✔ Flexible draw schedules
✔ Up to 85% LTC
🔁 Bridge Loans
Short-term financing to acquire, stabilize, or refinance a property before selling or obtaining long-term financing.
✔ Quick closings (7-14 days)
✔ Up to 75% LTV
✔ Interest-only payments
🏢Multifamily & Commercial Loans
For 5+ unit properties, mixed-use, and commercial real estate financing.
✔ Competitive rates & flexible underwriting
✔ Acquisition, refinance, and cash-out options
✔ Custom loan structures
💸 Portfolio Rental Loans
For investors consolidating multiple rental properties into one loan.
✔ Up to 80% LTV
✔ Flexible DSCR-based lending
✔ Terms up to 30 years
💰 Cash-Out Refinance Loans
Unlock your equity to purchase more properties, renovate, or reinvest.
✔ Up to 75% LTV
✔ Fast cash-out options
✔ Use funds for new deals
Not sure what loan is right for you? Contact us for guidance.
About FlipSmart Loans – Why Work With Us?
We’re real estate investors first, lenders second. We’ve been through the flips, rehabs, rentals, and refis, and we built FlipSmart Loans to give investors the financing tools we wish we had when we started.
Meet the Founders
🔹 Lori Wyatt – Decades of experience in fix-and-flips, new construction, and rentals.
🔹Derek Light – Licensed GC, managing broker, and expert in underwriting & construction management.
📋 Frequently Asked Questions (FAQs)
Q: What exactly is a hard money loan?
A hard money loan is short-term financing secured primarily by the property's value—not just your credit. It’s ideal for flips, rehabs, or any investment needing fast funding.
Q: How fast can I close on a FlipSmart Loan?
Most loans close in 7-14 days, depending on how quickly documentation is provided and property appraisal (if required).
Q: Do I need excellent credit to qualify?
Not necessarily. Our loans focus more on the property’s potential and your investment experience rather than just your credit score.
Q: What is LTC (Loan-to-Cost) vs. LTV (Loan-to-Value)?
✔ LTC (Loan-to-Cost): Measures how much we'll lend based on total project cost (purchase + rehab).
✔ LTV (Loan-to-Value): Measures the loan amount against the property's current or future value (ARV).
More questions?
Let’s Talk Deals
Have a deal you need funding for? Have a question? Let’s connect.
Let’s get your next deal funded.
Try the Calculators
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