House Flipping Loans, Fast.

Fast House Flipping Loans for Cincinnati Investors

Cincinnati’s trusted source for quick, hassle-free financing to purchase, renovate, and flip properties when traditional banks say no.

Banks Take Weeks. You Only Have Days.

Fast Funding When It Matters

Close your deal in as little as 7 days. No waiting for bank approvals while your opportunity disappears.

Higher Leverage, Better Returns

Get up to 90% LTC financing on your projects. Keep more cash in your pocket for your next flip.

Local Expertise, Reliable Partner

Work with Cincinnati specialists who understand your market. We've funded over 500 successful flips in your neighborhoods.

Flexible Financing Solutions

House Flipping Loans Tailored to Your Investment Strategy

Fix & Flip Loans

Short-term financing designed specifically for property investors buying distressed homes to renovate and resell. Get funded for both purchase and rehab costs with loan terms up to 12 months and competitive rates.

Renovation Financing

Access the capital you need to transform outdated properties into high-value assets. Our renovation loans cover extensive rehab projects with flexible draw schedules aligned to your construction timeline.

Simple Funding Process

Get House Flipping Loans in Three Easy Steps

Skip the paperwork headaches and lengthy bank approvals. Our streamlined process gets you funded fast so you can focus on finding deals and maximizing profits.

Apply Online

Fill out our simple 5-minute application with your property details and investment plan. No extensive documentation required to get started.

Receive Your Offer

Within 24 hours, we’ll provide a clear funding offer with transparent terms and costs. No hidden fees or last-minute surprises.

Close and Fund

Sign documents electronically and receive funding in as little as 7 days. We handle the details while you focus on your flip project.

Your Trusted Lending Partner

Beyond Traditional House Flipping Loans

Built By Investors, For Investors

We started The Hard Money Fox because we were flippers ourselves who couldn’t find reliable financing.

Today, we’ve funded over $50 million in real estate projects throughout Cincinnati and surrounding areas.

Our mission is simple: provide fast, flexible funding so you can seize opportunities that others miss.

Local Market Knowledge – Deep understanding of Cincinnati neighborhoods and property values.
Investor-First Approach – No bureaucracy or rigid guidelines that slow down your deals.
Proven Track Record – 500+ successful flips funded with a 92% client return rate.
Transparent Terms – Clear costs with no hidden fees or surprise charges at closing.

We evaluate deals the way you do—based on the property’s potential, not just your credit score or tax returns.

Our team makes decisions quickly because we know timing matters in real estate.

Fix-and-Flip Rates + Terms

Loans from

$50K to $3M

Up to 95%

of purchase price

Up to 80%

of after-repair value

3, 12 + 18 month terms

w/ interest-only options

Start Your Next Flip With Confidence

The Hard Money Fox Difference

Frequently Asked Questions

What are the typical terms for house flipping loans?

House flipping loans typically range from 6-12 months with interest-only payments and loan-to-value ratios up to 75% of purchase price. Most house flipping loans also include renovation funds disbursed in draws as work progresses.

How quickly can I get approved for fix and flip financing?

Fix and flip financing approval typically takes 24-48 hours, with funding available in as little as 7 days. Our streamlined fix and flip financing process eliminates unnecessary paperwork to help you close deals faster.

Do hard money loans for real estate require good credit?

Hard money loans for real estate focus primarily on the property’s value rather than your credit score. While we do review credit history, hard money loans for real estate are more concerned with the property’s potential and your exit strategy.

What costs should I expect with fix and flip loans?

Fix and flip loans typically include origination fees of 1-3%, interest rates between 8-12%, and possibly draw fees for renovation funds. The total cost of fix and flip loans is offset by the speed and flexibility they provide compared to traditional financing.

Can beginners qualify for real estate investment loans?

Yes, beginners can qualify for real estate investment loans if they have a solid project plan and sufficient down payment (typically 20-30%). Real estate investment loans for new investors may require more documentation of your strategy and exit plan.

What properties qualify for house flipping loans in Cincinnati?

House flipping loans in Cincinnati are available for single-family homes, multi-family properties (2-4 units), and sometimes small commercial buildings. The property’s location, condition, and after-repair value are key factors in house flipping loan approval.

How much can I borrow with hard money loans for real estate?

Hard money loans for real estate typically fund up to 75% of the property’s purchase price plus 75-100% of renovation costs. Maximum loan amounts for hard money loans for real estate are determined by the property’s after-repair value and your experience level.

What documentation is needed for fix and flip financing?

Fix and flip financing requires basic property information, purchase contract, renovation budget, and exit strategy. Unlike conventional loans, fix and flip financing focuses more on the project’s potential than extensive personal financial documentation.

What Our Clients Say

Real Results From Our House Flipping Loans

The Hard Money Fox funded my Oakley flip in just 6 days when my bank was still 'reviewing my application.' Their speed helped me win a property with multiple offers and clear $43K in profit.

Jessica T.

8-year Cincinnati Investor

After 15 years and dozens of flips, I've finally found a lender who understands investment properties. No unnecessary paperwork, competitive rates, and they actually answer the phone when I call.

David R.

Multi-Property Owner

As a first-time flipper, I was nervous about financing. Their team walked me through every step and found creative solutions when my rehab went over budget. Just closed my second deal with them.

Miguel K.

Hyde Park Developer

Their local knowledge made all the difference. They immediately recognized the potential in my Northside property when two banks rejected it. Funded both purchase and renovation with a single loan.

Lawrence M.

Real Estate Entrepreneur

For inquiries, please call

513-822-2704

Essential Information for Investors

Understanding House Flipping Loans in Today's Market

Let's Talk!

What Is a Hard Money Loan?

Hard money loans are asset-based financing secured by real estate rather than borrower creditworthiness.

These short-term loans typically range from 6-12 months and fund both property acquisition and renovation costs for investors looking to purchase, improve, and resell properties quickly.

Unlike conventional mortgages, hard money lenders evaluate deals primarily on the property’s after-repair value (ARV) and your investment strategy, making them ideal for fix-and-flip projects with tight timelines.

How Fast Can You Fund a Fix-and-Flip Property?

Most Cincinnati investors receive funding within 7-10 days of application, compared to 30-45 days with traditional banks.

This speed advantage allows you to make confident cash-like offers, win competitive deals, and move quickly when opportunities arise.

The streamlined process eliminates extensive documentation requirements and lengthy underwriting procedures, focusing instead on property potential and exit strategy to make rapid funding decisions.

Where We Lend: Cincinnati Real Estate Funding

We specialize in the Greater Cincinnati market, including Hamilton, Butler, Warren, and Clermont counties.

Our hyperlocal expertise means we understand neighborhood-specific values, renovation costs, and market trends that national lenders often miss.

This regional focus allows us to accurately assess properties in emerging areas like Northside, Price Hill, and Westwood where traditional lenders might hesitate but where experienced investors find substantial profit opportunities.