Fix & Flip Residential Loan Program:

Our fix and flip loans are for real estate investors and rehabbers looking to purchase property to sell within one year. This program is designed for active rehabbers in California with a track record of acquiring distressed properties, fixing them and selling them profitably within 12 months. The property improvements need to be manageable to ensure the rehab costs are predictable and within the capability of the rehabber.

Lending Criteria & Guidelines:

  • Loan Amounts: $100,000 – $3,500,000+
  • Property Type: Residential – 2-4 Units
  • Loan Type: Purchase
  • Loan-to-Value: Up to 70% of Purchase Price; Loan-to-Cost Program is 75% of Purchase Price + 75% of Rehab Cost, not to exceed 65% ARV
  • Terms: 12 months with Balloon – Interest Only Payments
  • Underwriting: Equity Driven, Bank Statements, No Tax Returns (other docs apply)
  • Property Valuation: BPO (Broker Price Opinion) on Purchase Price; Appraisal on LTC (Loan-to-Cost)
  • Interest Rates: From 9.99% – No Rehab Financing; From 10.99% – Up to 70% Rehab Financing – Not to exceed 60% ARV (After Repair Value)
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $2,995+
  • Timeline to Fund: Typically, 7 business days
  • Funds Control: Required
  • Guaranteed Interest: 3 months
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate. We provide:

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 7 Day Fundings
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – [email protected]