Vanguard Hard Money
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Lending for California Only
 California's Premier Private Money Lender



Rehabilitation REHAB – Fix & Flip Guidelines


We lend using the After Repair Value of the subject property.

Gross Loan Amount Loan-To-Value (LTV)
$50,000 - $1,500,000
Call for higher amounts
Up to 75 % of the
After Repair Value (ARV)
  • Most lenders lend only up to 60% of the purchase price our lending goes up to 100% of the purchase price or more. 
  • Down payments range from 15% to 30% of the purchase price.
    FAQ:  How much financing can I receive?
  • Investment Property Only (No Owner Occupant Properties).
REHAB Financing is available for:
  • Investors
  • Contractors
  • Sub Contractors
  • Brokers
  • Realtors
Types of REHAB projects allowed:
  • Single Family Residences
  • Multi- Family Dwellings
  • Apartments
  • Commercial
  • Duplexes
  • Triplexes
  • Fourplexes
REHAB Budget:
  • Funds are quickly released in two to three draws or can be disbursed weekly.
  • As the repairs are completed, pictures of the property can be e-mail or an inspection will be made.
  • Individuals
  • Partnerships
  • LLCs
  • Corporations
  • Trusts
Income Documentation Needed:  
  • We offer equity-driven, investment financing. Please inquire with a Vanguard account executive how to qualify for your next rehab project.
Loan Term:  
  • 12 to 60 months for rehab.
    *Most rehab loans written for 6 to 12 months with options to extend.
  • Investment financing ranges from 2.5 points to 5 points.
  • Rates from 9% to 14%
  • Doc, prep and underwriting ranges from $1,000 to $1,835.
Prepayment penalty:  
  • None
Additional Rehab Loan Information:

Rates, terms and conditions subject to change without notice.

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