Fix-and-Flip Loan in Irvine, CA

Fix-and-flip loans from Hard Money Lenders of Irvine are built for Orange County house flippers who need speed and leverage. We fund up to 90% of purchase price and 100% of renovation costs based on after-repair value (ARV), so you can tackle distressed properties in Irvine, Santa Ana, Costa Mesa, and throughout Orange County with minimal cash out of pocket. Our approval process takes 24-48 hours, with funding in 7-10 days, giving you the edge in competitive markets where sellers want fast closings. Draw schedules are designed for flippers: we inspect and fund renovation draws within 48 hours so your contractors keep working. No prepayment penalties when you sell.

Key Benefits of Fix-and-Flip Loan

• Maximum leverage, 90% purchase + 100% rehab

• ARV-based underwriting, not purchase price

• Fast draw releases keep projects on track

• No income verification, deal quality matters

• Irvine and Orange County market expertise

Hard Money Lenders of Irvine serves real estate investors throughout Irvine, Newport Beach, Costa Mesa, Santa Ana, Huntington Beach, and all of Orange County. Our local team understands the market dynamics, permit processes, and investment opportunities that drive successful deals in the region.

Typical Requirements

• Property in California with clear exit

• Detailed scope of work and budget

• Contractor bids or experience documented

• ARV supported by comps

Who We Lend To

We work with experienced real estate investors, contractors, developers, fix-and-flip specialists, and property owners throughout Orange County. Whether you're acquiring your first investment property or scaling your portfolio, our asset-based approach focuses on the property and the deal—not your W-2 or tax returns.