Vanguard Hard Money
 California's Premier Private Money Lender
CALL US! 800-427-1441
Our staff will be happy to answer your questions
Lending for California Only


Fix & Flip Rehab Loan Guidelines

We specialize in the financing of non-owner-occupied, investment properties.

Gross Loan Amount Loan-To-Purchase (LTP)
$50,000 - $5,000,000
Call for higher amounts
Up to 85% of the Purchase Price + 100% of Rehab

Max Loan-To-Value (LTV)
75% of the After Repair Value (ARV)

  • Most hard money lenders will only lend 60% to 65% of the purchase price our lending goes up to 85% of the purchase price + 100% of the rehab funds. A third party appraiser will need to confirm the after repair value is no more than 75% of the ARV.
REHAB Financing is available for:
  • New & Experienced Property 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 2.0 points to 3.5 points.
  • Rates from 6.99% to 10.99%
  • Doc prep, underwriting, and wire transfer fee $1,535.
Prepayment penalty:  
  • None
Rates, terms and conditions subject to change without notice.
Additional Rehab Loan Information:

To get started, tell us a little about your project by using our online EZ Application or contact a Vanguard team member today. We look forward to assisting you with your project today! Feel free to call us at (714) 956-0508.