Finding the money is not the hard part of flipping houses. Finding the right money is.
Anyone who has flipped more than a couple of houses has a lender horror story: the "10% and 2 points" quote that ballooned with junk fees at the closing table, the draw request that sat in a corporate queue for three weeks while contractors walked off the job, or the out-of-state underwriter who killed a solid deal because their automated valuation model had never heard of your neighborhood.
That is why we built the FlipperForce Lender Network: a free hard money lender directory with detailed profiles for 65+ vetted nationwide and local private lenders, organized by state, loan type, and lending style, so you can compare real rates and terms before you ever pick up the phone.
Why We Built a Lender Directory
Most lender lists on the internet give you a logo, three sentences of marketing copy, and a phone number. Nothing about the terms that actually decide whether your deal pencils: leverage limits, draw turnaround, extension policies, or experience requirements.
We took a different approach. Every profile in the Lender Network is a structured breakdown built the way an investor actually evaluates a lender:
- Loan structure tablesfor each product they offer: fix and flip bridge, short-term bridge, ground-up construction, and DSCR rental loans, with loan limits, terms, rates, origination fees, and max LTC/ARV leverage
- Borrower qualification requirements:minimum FICO, experience tiers, entity requirements, and whether they check your W-2s (most don't)
- Underwriting process and speed to close:what documents they need and how fast they can actually fund
- Draw process details:reimbursement vs. advance funding, inspection methods, turnaround times, and per-draw fees, because slow draws kill flip timelines faster than almost anything else
- Verified Google review ratingspulled directly onto each profile
No fluff. Just the deal parameters you need to decide if a lender fits your project.
Nationwide Platforms and Local Direct Lenders, Side by Side
The directory covers both sides of the private lending market, because they solve different problems:
- Local direct hard money lendersare the boots-on-the-ground operators lending their own money or managing local investor capital. They look at the deal instead of a checklist, fund weird and non-conforming properties that national loan boxes reject, and can often send someone to your job site and release a draw within 24 to 48 hours.
- Nationwide institutional lenderslike Kiavi, RCN Capital, and Lima One run high-volume platforms with online portals, standardized loan boxes, and some of the most competitive rates in the industry. If you are scaling a rental portfolio or financing a standard flip in a major metro, these platforms are hard to beat on price and process.
Most experienced flippers end up using both at different points in their business. The directory makes it easy to see who plays in your market and how their terms stack up.
Find Lenders Actively Funding Deals in Your State
Hard money is a local business, even when the lender is national. Rates, foreclosure timelines, and lender depth vary significantly from state to state, and that changes your deal math.
So we built a dedicated
Lenders by State
page for all 50 states plus D.C., each with:- The top-ranked national platforms actively lending in that state
- Local direct lenders headquartered in-market, with the counties and metros they serve
- Typical local rate and fee ranges, sourced from actual Q1 2026 loan origination data
- Your state's foreclosure framework and timeline, which directly affects the leverage and pricing lenders can offer you
Whether you are flipping in Missouri, Texas, or Florida, you can see exactly who is funding deals in your market right now.
How the Directory Works With Your FlipperForce Toolkit
The Lender Network is not a standalone list. It is wired into the same workflow you already use to analyze and manage your deals:
- Analyze the dealin the Flip Analyzer or BRRRR Analyzer and build your repair budget with the Rehab Estimator
- Find a matching lenderin the directory based on your state, loan type, and experience level
- Present a professional Investment Reportinstead of a sketchy spreadsheet: lenders consistently tell us that borrowers who show up with FlipperForce reports get taken more seriously and move through underwriting faster
- Manage the loanwith the Project Budgeter and Scheduler so your draws stay on schedule and your budget stays intact
Better analysis gets you approved. Better management gets you repeat funding at better terms.
65+ Lenders at Launch, and Growing Every Week
We are launching the network with 65+ lender profiles and adding more every week, with a target of deep coverage in all 50 states: nationwide platforms plus a bench of local direct lenders in every market. Each profile is researched and structured by our team so the rates, terms, and processes you see reflect how that lender actually operates.
If you are a flipper, developer, or BRRRR investor: browse the Lender Network and find your next funding partner.