Real Investor Support Tech-Enabled Funding Process Fast & Flexible Loan Options

Smarter Capital for
Real Estate Investors

Get the funding you need, faster. Backflip is modernizing real estate investing with transparent, tech-enabled loans tailored to your strategy.

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Loan Products

Choose your investment path

Fix & Flip (RTL), Rentals (DSCR), New Construction Projects, or Home Equity.

Select a strategy to explore the best-fit options with Backflip.

Fix & Flip Loans (RTL)

Buy, renovate, and sell a property. Short-term loans to flip and sell.

Rental Loans (DSCR)

Buy & hold it. Rent it. Scale it. Cash-flow based financing for single family rentals.

New Construction Loans

Build or Teardown. Funding from start to finish.

Home Equity Loans

Unlock cash from your home's value for your next big move.
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The Process

What to Expect

A transparent, tech-enabled funding process designed for speed & certainty.

01

Request an Inquiry

Select loan & fill out the form for a quick first look at your options.

02

Get Connected

Chat directly with a Backflip loan expert to confirm details, get questions answered that align with your goals.

03

Get Custom Terms

Receive a clear breakdown of all of your options with rates, terms, and loan amount.

04

Kick-off the Process

Upload documents securely & get funding on your terms and timeline.

05

Close & Unlock Funding!

Sign final docs, get funded, and kickoff your project!

06

Repeat

Finish the project, then come back to fund the next one.

Fix and Flip Renovation
Active Investing Strategy

Fix & Flip Loans

Short-term fix & flip financing to purchase, renovate, and sell single family homes (up to 4 units) in 44 states across the US. Backflip funds 100% of your rehab budget so you can focus on the flip and scale fast & efficiently.

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Strong & steady fix & flip investor

Industry-leading pricing to maximize your profit potential. Lower overall loan rate & fees mean you keep more profit per flip.

  • Lower Rate & Fees
  • Maximize Profit per Deal
  • Steady Growth Focus
Get Pre-Qualified
Most Popular
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Altitude

"I've done this before"

Keep more cash in your pocket. Get maximum purchase support on deals you can't pass up.

  • Higher Leverage
  • Less Cash to Close
  • Scale Faster
Get Pre-Qualified
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Zero Gravity

The Systems-Driven Pro

No monthly interest payments for up to 6 months during the project. Run multiple flips at once without monthly costs stacking up.

  • 6 Months - No Monthly Payments
  • Maximum Cash Flow
  • Volume & Profit Focused
Get Pre-Qualified

Not sure which one fits or want to explore all options? Submit a general inquiry!

Rental Property

Snapshot

  • Min Credit 670+
  • Loan Amount $100K – $2M
Passive Income

Rental Loans (DSCR)

Single Family Rentals: Keep it. Rent it. Scale it.

DSCR funding for rentals is the “keep it and rent it out” loan, designed for real estate investors who want steady cash flow, not a quick sale. Qualify based on cash-flow, not W2's. Get ready to buy or refinance your long & short term rentals with confidence.

Request an Inquiry
Home Renovation
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Liquidity

Home Equity

Tap into your property's value without selling. Choose the path that fits your cash flow.

Home Equity Line of Credit (HELOC)

Like a credit card, but with a lower rate. Best if you want a flexible pool of money for projects.

Get A HELOC Quote

Home Equity Investment (HEI)

The "cash without the monthly payment" option. Easier to qualify for and works well for paying off debt and boosting your credit score.

Get an HEI Quote
Ground Up Construction

Qualification

Min. Credit Score 680+
Min. Loan Amount $100k
Experience Required 1+ Ground up project in last 3 years
Request Custom Terms
New Development

Ground-up Construction Loans

From raw land to final inspection. A short-term loan to fund the build from start to finish.

Land Purchase

Fund the acquisition of the lot so you can start with less cash out of pocket.

Teardown Costs

Cover the demolition of existing structures to clear the way for new builds.

Construction Costs

Get 100% of construction budget funded in draws as you complete the work.

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Coverage

Check Availability

Select a state below to instantly see which lending products are active in your property's area.

Please select a state to view details

Backflip Real Estate Investor Community

Backflip Investor Stories

Robert G. | Charlotte, NC

Full Time Investor

"Backflip is by far the best hard money lender there is. From analyzing properties on the app to ordering rehab draws in their portal, you will not find a smoother loan process out there."

Melissa P. | Dallas, TX

Multiple Deals

"Backflip’s my go-to hard money lender. The rates and products make sense, but I also love that they actually help investors grow. And the app? I use it to vet basically every deal."

Theresa G. | Gulfport, MS

First Time Fix & Flip Investor

"I’ve worked with a lot of lenders, and Backflip was BY FAR the smoothest. Everyone was quick and professional, and there were zero last-minute surprises. I’m sticking with them from now on."

Watch & Learn

Real Deals, Real Stories

See how investors are partnering with Backflip to scale their real estate investing businesses.

Meet Backflip Investor: Danielle H.

In this video, Danielle shares how she got started in real estate, the obstacles she’s overcome, and why she’s never looked back since leaving the corporate world after flipping deals with Backflip.

Meet Backflip Investors: Ashley & JR

What happens when you start flipping houses right after you start dating? For Ashley Almaraz & Joahim Morales, it was the ultimate relationship test - and they passed with flying colors.

Meet Backflip Invesotrs: The Marzetts

Donte & Jokeeta walk us through their entire investing process step-by-step, from acquisition to exit, and share how they made a $70K profit on this home partnering with Backflip.

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Support

Frequently Asked Questions

What are your interest rates and other fees?
Our interest rates and fees vary depending on the loan product you choose. For example, a Fix & Flip loan will have different fees than a DSCR loan. The best way to find out your exact rates is to select the loan you’re interested in, fill out an inquiry, and our team will go over all the details.
How do I apply for a loan and get a term sheet?
Select a loan option above, fill out the quick inquiry, and our team will create a custom term sheet for you. We’ll give you a call to walk you through it and answer any questions.
Do you require experience?
Nope! We lend to anyone who qualifies. However, if you do have experience (like completed projects in the last three years), you might get better terms.
What type of properties do you lend on?
We lend on single-family homes, condos, duplexes, triplexes, and fourplexes. We don’t lend on multifamily (5+ units), commercial, modular, or mobile homes.
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