Home / No money down
No money down fix and flip loans in Dallas–Fort Worth
Buy the house right and we fund the whole purchase and the whole rehab, so you bring no down payment toward either one.
Get my termsDallas hard money lenderSee your terms in seconds
Your loan amount shows as you type. Send the deal and a loan officer follows up.
Estimate only. Loan amount is the lower of 100% of purchase plus rehab or 70% of the sale price when finished (after-repair value). Minimum loan $150,000. Business-purpose loans on investment property.
How no money down works
No money down means no down payment toward the purchase and no cash toward the rehab. It works when the deal has enough margin: your purchase price plus rehab budget has to be at or under 70% of the after-repair value. That margin is what protects the loan, so it replaces the down payment.
| Deal | Amount |
|---|---|
| Purchase price | $140,000 |
| Rehab budget | $50,000 |
| Total cost | $190,000 |
| After-repair value | $290,000 |
| 70% of after-repair value | $203,000 |
| Loan amount | $190,000 |
Cash you still need
- Closing costs: title, lender fees and recording
- Insurance on the house while you own it
- Utilities, lawn care and property taxes during the rehab and sale
- Monthly interest payments on the loan
- A cushion for surprises behind the walls
Plan for these before you sign the contract. Our guide to flipping a house with no money covers ways to keep that cash need small.
Finding deals that qualify in Dallas
Deals that clear the 70% rule usually come from off-market sources: wholesalers, probate and inherited houses, tired landlords and houses that need foundation or roof work most buyers avoid. Run every one through the ARV calculator before you offer.
Hard money loans across Dallas–Fort Worth
We lend on investment houses throughout the DFW metroplex, in Dallas, Tarrant, Collin, Denton and surrounding counties.
Questions investors ask
Straight answers about no money down fix and flip loans.
Is no money down really possible on a flip?
Yes, when your purchase and rehab total is at or under 70% of the after-repair value. You still pay closing and holding costs.
What if the deal does not meet the 70% rule?
The loan is capped at 70% of the after-repair value and you bring the difference.
What is the smallest loan you make?
Loans start at $150,000.
How fast can you close?
We can close in about 5 days once we have the contract, the rehab budget and title is open.
Can I use this loan on a home I will live in?
No. These are business-purpose loans on investment property only. The house has to be one you are buying to renovate and sell or rent.
More from Dallas Private Money
Loans, calculators and guides for Dallas fix and flip investors.