Loan Program

Fix and Flip Loans

Hard money fix-and-flip loans with up to 80% of purchase price, no prepayment penalties, and same-day pre-approval for real estate investors.

When it comes to fixing and flipping real estate in today’s housing market, cash and speed are essential. At Northwest Private Lending, we provide hard money loans which act like cash so that our clients can make competitive offers on properties they’d otherwise miss out on.

Our fix and flip hard money loans provide up to 80% of the purchase price, which leaves our clients with the cash they need to renovate the property themselves. We never charge prepayment penalties, allowing you to sell the property as quickly as possible. We also do not charge extension fees, so if your project takes longer than expected you can have confidence that you can keep your loan with us as long as you need it.

Loan Highlights

Loan size: $25K–$1M
No bank statement or tax returns required
No minimum FICO required
No prior experience required
No prepayment penalties
No extension fees
Loans funded in 3–5 business days

Is a Fix & Flip Loan Right for Me?

With the help of a fix and flip loan, a little sweat equity, and an eye for the right properties can yield a great return on your investment. If you are a real estate investor looking to acquire properties that require all-cash to purchase or want to buy a property that won’t qualify for a conventional loan, our fix and flip loan program could be the perfect fit.

Justin’s Story

At Northwest Private Lending, we love getting to work with first-time real estate investors like Justin! By taking advantage of a hard money bridge loan, Justin was able to turn a fix and flip property into a wealth-generating asset that opened the door to many other successful real estate investments in Portland.

Ready to discuss your fix and flip loans deal?

Same-day pre-approval. No obligation. Talk to a real person who understands your market.

Apply for a Loan 503-941-5473

Straightforward Pricing

Simple Rates and Terms

No hidden fees, no surprises. Here’s exactly what you’ll pay — the same terms we’ve offered from day one.

Loan Origination Fee

3 points / $2,500 Minimum

Loan Document Fee

$650–850

Monthly Interest Rate

1% Per Month

Monthly Payment

Interest Only

Loan Closing - Business Purpose

3–5 Business Days

Loan Closing - Primary Residence

$0 on Performing Loans

No junk fees, now or in the future. What you see is what you pay. We have built our reputation on transparency.

Get a Quote

Real Deals

Featured Loans

A sample of the deals we’ve funded for investors across the Pacific Northwest.

Fix & Flip

3759 N Melrose Dr, Portland, OR

Purchase Price$483,000Loan Amount$400,000Total Rehab Costs$300,000Listed For$1,250,000

Property was gutted and could only be purchased with cash or Hard Money; Amazing neighborhood and views; Needed full renovation and 18 months to complete; Buyer is a builder and will make over $400K in profit when completed.

Fix & Flip

102 NE Grace Ave, Battle Ground, WA

Purchase Price$160,00Loan Amount$130,00Total Rehab Costs$80,00Listed For$399,000

Property had foundation issues and could only be purchased with cash or Hard Money; Buyer is a contractor that specializes in foundation repair and was able to fix issues inexpensively and renovated the property. The Flip will make almost $190K in profit.

Fix & Flip

118 Bodine Rd, Kelso, WA 98626

Purchase Price$185,00Loan Amount$135,555Total Rehab Costs$70,00Listed For$358,000

Borrower is a pharmacist who tries to flip 1 house per year for extra income. This home was going into foreclosure and was purchased as a short sale with the bank which required cash or hard money. Borrower was able to renovate and sell for over $100K in profit.

Fix & Flip

1805 NE Dolphin Ln Waldport, OR

Purchase Price$155,000Loan Amount$100,000Total Rehab Costs$40,000Listed For$249,000

Property was in disrepair and could not qualify for a conventional loan. The Investor was able to purchase this waterfront property for a huge discount and fixed the few issues keeping it from conventional financing. They were able to get it fixed and sold in 3-months and made a quick $55,000.