Acquisition and renovation capital for your next project. Close in as little as 7-10 days with financing based on After-Repair Value (ARV). Build your wealth, one flip at a time.
In a competitive market, you need a lender that moves as fast as you do. We provide asset-based flip loans that focus on the deal's potential, not your personal income.
In the flip world, speed wins deals. We provide bridge and hard money loans that can close in as little as 7-10 days, allowing you to compete with cash buyers.
Keep your capital for the next deal. Many of our flip programs fund 100% of the renovation costs with flexible draw schedules tied to your contractor's progress.
Lenders size the loan to what the property *will* be worth. Using After-Repair Value (ARV), we arrange financing that maximizes leverage and minimizes your out-of-pocket cash.
We specialize in the 'Refinance' part of Buy, Rehab, Rent, Refinance, Repeat. We bridge you into the deal and then refinance you into long-term DSCR debt.
Your personal income doesn't matter. We qualify these loans based on the property's potential and your experience as a flipper.
Canadian flipping in the US? We provide the hard money and bridge financing you need to renovate American assets from the comfort of your home.
We provide a full range of lending products to meet the needs of fix-and-flip investors and BRRRR strategists.
Fast-closing acquisition loans focusing on after-repair value rather than current condition. When you find a deal, you need to move quickly before it's gone.
Construction holdback funds with flexible draw schedules tied to your contractor timelines. Get the capital you need to transform properties into profitable assets.
Short-term financing designed for rapid acquisition and profitable exit. Bridge the gap between purchase and sale with flexible terms that work for your timeline.
Asset-based lending that prioritizes property value over credit scores. When traditional lenders say no, hard money lenders focus on the deal itself.
Purpose-built products combining acquisition and renovation budgets with interest-only payments. One loan for the entire project from purchase to sale.
Post-renovation refinancing enabling capital recycling for additional projects. Perfect for the BRRRR strategy-pull your equity out and repeat.
Debt Service Coverage Ratio products qualifying based on rental income rather than personal income. Keep your flip as a rental and qualify on the property's cash flow.
Blanket loans for multiple properties and profit-sharing partnerships. Scale your flipping business with portfolio financing or bring in capital partners.
Pick the stage that matches your file — then follow the links.
First rental through door four — learn, underwrite, get approved.
Past the four-mortgage wall — portfolio structure and the next acquisition.
Canadians buying US cash-flow — DSCR, entities, and state playbooks.
5+ units, CMHC MLI, development takeout, and capital plans.
“Scott and Kirann were fantastic to work with. This was our first home purchase and along with planning a wedding, honeymoon, and still working our full-time…”
“I can't recommend Gillian Irving and Scott Dillingham at LendCity™ highly enough. My husband and I worked with them on a surprise purchase that ended up being…”
“I recently worked with Scott and Aya on a mortgage transaction and had a positive experience. They were knowledgeable, responsive, and focused on achieving…”
“Scott & Kirann were incredibly helpful, professional, and kind throughout the entire process of securing my first mortgage. Both agents have a wealth of…”
“Scott and Aya were very helpful with the purchase of our first home! Got us a great rate with no stress!”
“Great working with Lend City Mortgages! I truly appreciate how Scott and Kirann handled the entire process—professional, efficient, and always on top of…”
“LendCity™'s Scott Dillingham and Kirann Sharmaa went up, over and beyond helping me with all the fine details of the mortgage process as well as locking in the…”
“LendCity™ provides an excellent experience from start to finish! Scott is extremely knowledgeable & efficient. Highly recommend to anyone looking for reliable…”
Everything you need to know about flip financing solutions.
Structure purchase and exit financing before you commit capital.
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