Fix & Flip Loans - Hard Money Financing for NJ Investors

Fast Capital for Real Estate Deals That Can't Wait

When opportunity knocks in the world of house flipping, timing is everything. Traditional mortgages aren't designed for distressed properties or tight timelines-which is why real estate investors across Middlesex County and beyond turn to fix-and-flip loans for short-term, flexible financing.



At Elias Mortgage, we connect New Jersey investors with hard money lenders and private capital sources so you can move quickly on profitable deals. Whether you're a first-time flipper or a seasoned rehab pro, we'll help structure funding that fits your strategy.

Why Fix & Flip Loans Work for Investors

When you're flipping homes in New Jersey-whether in East Brunswick, Monroe Township, or nearby neighborhoods-you need financing that's fast, asset-based, and built around the project.


Fix & flip loans are short-term real estate loans, typically 12 to 18 months, designed to:

  • Fund both the purchase price and renovation costs
  • Close in days or weeks-not months
  • Offer interest-only payments during the rehab period
  • Rely on the after-repair value (ARV) of the home, not just your income

Unlike traditional bank loans, these loans focus on the property's potential, not your W-2 income or tax returns. You bring the deal, and we'll help bring the funding.

Loan Features & Typical Terms

Our network of investor-friendly lenders offers:

  • Up to 75% of ARV (after-repair value)
  • Up to 90% of purchase price in some cases
  • Rehab funds built into the loan and released in draws
  • Quick closings-often in 10-15 days
  • Flexible approval based on project, not pay stubs

These loans typically carry higher interest rates (8-12%) and upfront points due to their short-term nature-but if the deal pencils out, they're well worth the cost for investors who need to move fast.

What Is a Hard Money Loan? (And Why It's Not So Scary)

The term "hard money" has a reputation-but in the investment world, it's just another word for private financing secured by real estate. These lenders care more about the numbers and exit plan than your job title.



We've built trusted relationships with hard money lenders across New Jersey, so you don't have to hunt down funding or negotiate alone. We'll help you compare options, spot red flags, and make sure the deal terms match your goals.


Whether you're flipping a colonial in South Brunswick or rehabbing a duplex near Rutgers, we've got sources that understand the NJ market and move fast.

Two people in hard hats and suits walking up stairs in a modern building, discussing something.
Black icon of a document, percentage symbol, coin stack, and dollar sign representing finances.

What You'll Need to Qualify

Fix & flip loans aren't one-size-fits-all-but most lenders will expect:

  • A clear renovation plan and budget
  • Cash for a down payment (often 10-20% of the total project)
  • Contingency funds to handle surprises
  • Exit strategy-usually selling the property, or refinancing if you plan to hold
  • Mid-600s credit or better (though some go lower depending on the deal)

Experience helps, but it's not required. If the numbers make sense, we can often help first-time flippers access capital with the right structure.

Exit Plans: What Happens After the Flip?

Fix & flip loans must be paid back-usually by selling the renovated home for a profit. But what if the market shifts? Or you decide to keep the property?


We offer alternative exit strategies, including:

  • DSCR (Debt Service Coverage Ratio) Loans for converting flips into rentals
  • Refinancing into a long-term conventional or investor loan
  • Bridge loans if your flip needs extra time to sell
Two overlapping speech bubbles with a question mark inside one.

Common Questions About Fix & Flip Loans

  • Do I need perfect credit to qualify?

    No. These loans are asset-based, so mid-600s credit may be sufficient. Some lenders can go lower depending on the project and experience.

  • Can I get funding fast?

    Yes. Our investors often fund deals in 10-15 days, much faster than traditional mortgages.

  • Is income verification required?

    Usually not. Many lenders use no-doc or light-doc programs. Your deal structure and the property matter more than your tax returns.

  • Can I get 100% financing?

    It's rare-but if the deal is strong, some lenders might fund up to 100% of the purchase if you cover rehab costs. You'll always need to bring something to the table.

  • What if my flip takes longer than expected?

    We'll help plan conservatively, but extensions are often possible for a fee. Having a solid exit strategy is key-and we'll guide you through backup options if needed.

Fast Capital. Local Knowledge. Reliable Guidance.

You've done the work finding a flip-don't let financing slow you down. Elias Mortgage helps New Jersey investors close fast, fund smart, and stay protected throughout the process.