Rates Starting at 10%
At West Forest Capital, we specialize in fast, flexible fix-and-flip loans for real estate investors. If you’re buying distressed property, renovating a single-family home, or repositioning a multifamily asset, we provide funding up to $5 million with speed that matches your pace. Investors rely on us because we move quickly, understand the market, and make decisions based on the value of the property, not your credit score.
We offer hard money loans with the following terms and structure:
| Loan Size | $100,000 to $5,000,000 |
| LTC | Up to 80% of purchase price |
| Rehab Funding | 100% |
| LTV | Up to 70% of the ARV |
| Term | Standard is 12 months. 24-36 months is available |
| Lien | First lien; second lien as additional collateral only |
| Interest Rate | 10%–12.5% |
| Points | 1.5–2% of the loan amount |
If you’re a seasoned investor or just starting out, these loans can help you:
We made a Florida Airbnb loan to a client who purchased a three-bedroom, three-bathroom condo in a sought after building in Naples, Florida. Our client’s strategy was to generate returns by using the property for seasonal and short-term Airbnb rentals, which would generate higher ROIs vs. an annual lease. We provided an Airbnb loan of 71.8% of the purchase price, and our client self-funded light rehab, mostly cosmetic in nature. Our client repaid our loan with a paydown generated from the sale of another property. At the time of paydown, the property experienced appreciation of nearly $63k.
Our client obtained a Palm Beach County Airbnb loan in Boynton Beach to boost his offer for the property which beat out several other offers with conventional financing. After the needed repairs were completed, the exit strategy was flexible: either a sale or a conventional refinancing once the property was stabilized and rented. Ultimately, our client came across another fix and flip opportunity and elected to sell the rehabbed original property to raise cash for a down payment on the next deal.Our client obtained a Palm Beach County Airbnb loan in Boynton Beach to boost his offer for the property which beat out several other offers with conventional financing. After the needed repairs were completed, the exit strategy was flexible: either a sale or a conventional refinancing once the property was stabilized and rented. Ultimately, our client came across another fix and flip opportunity and elected to sell the rehabbed original property to raise cash for a down payment on the next deal.
Our client utilized an Airbnb loan in Miami, Florida to fix and flip this property in Surfside. We funded 72.5% of the purchase price, and 100% of the $110,000 rehab budget. Our client spent approximately 5 months renovating the house, and thereafter, the property sold within a week of being on the market. The closing took place approximately a month later, and although the loan was only outstanding for 6 months, there was no prepayment penalty assessed. Our loan was paid back with a portion of the proceeds from the sale, netting our client north of $200k after accounting for all holding and closing costs.
Banks can drag out the process for weeks or even months. We offer same-day approvals and fund in as little as 3–5 days. If the deal is urgent, we can wire funds within 24 hours.
We don’t get hung up on your credit score. Instead, we look at the value of the property and the strength of the deal. That’s what matters.
Many lenders walk away when a property needs heavy renovation or lacks a Certificate of Occupancy, but not us. Our loans are built for distressed, underperforming, or hard-to-finance assets.
Fix and flips are business deals, not personal home purchases. We structure the loan to your LLC so you can take advantage of business benefits while staying compliant with investment lending standards.
To qualify for a fix-and-flip loan, investors typically need to meet certain criteria that demonstrate their ability to successfully complete the project and repay the loan. We look for:
We work closely with real estate investors across the country who need fast, reliable funding for their fix-and-flip projects. Our team doesn’t just lend; we help you review your construction budget, provide input on deal structure, and move quickly so you can stay on schedule.
We also understand the realities of working with distressed properties, from navigating permits to managing inspections. Our experience with local markets, contractors, and timelines helps investors get projects off the ground.
At West Forest Capital, we base our loans on three things: the property’s current value, the cost of renovations, and the after-repair value (ARV). That means we can move quickly, offer flexible terms, and fund projects that traditional lenders won’t touch.
We typically cover a large portion of the purchase price and 100% of the rehab costs. And if your project doesn’t go exactly as planned—if the construction timeline shifts or your budget runs over—we’ll work with you to keep things on track.
We also offer one of the longest fix-and-flip loan terms in the industry: up to 24 months. It’s a smart option if you’re tackling a larger project or just want extra breathing room.
West Forest Capital is the fastest Fix and Flip lender
West Forest Capital