Fast Capital for US Renovation Projects
Distressed US properties offer some of the best returns in real estate — if you have the financing to move fast. Our bridge loans close in days, not months, and include renovation funding so you can execute your business plan.
Fast 10-14 Day Closings
Hard money underwriting focuses on the deal, not your documentation. Close fast enough to win competitive offers on distressed properties where speed is the deciding factor.
Renovation Funds Included
Finance up to 100% of renovation costs on top of your acquisition loan. Funds are held in escrow and released in draws as work is completed and verified by a third-party inspector.
Based on After-Repair Value
Loan amounts are calculated on the property's value AFTER renovation (ARV), not the discounted purchase price. Typical programs offer up to 70-80% of ARV.
BRRRR Exit Strategy
We structure bridge loans knowing the exit is a DSCR refinance. Once you stabilize the property and place a tenant generating rental income, refinance into a 30-year fixed rate DSCR loan.
Foreign National Programs
No US credit history, Social Security Number, or domestic income required. Hard money lenders focus on the deal quality — the property's ARV, the renovation scope, and your exit strategy.
Interest-Only Payments
During the renovation period, you make interest-only payments at rates typically between 9-12% annually. This keeps your monthly holding costs low while you focus on the renovation.
Fix & Flip Loan Requirements for Canadians
Hard money bridge loans have deal-focused requirements rather than borrower-focused ones. Here is what Canadian investors need to secure fix and flip financing in the US.
Requirements
- Valid Canadian passport for foreign national identification.
- Minimum 10-30% of the purchase price as a down payment in USD.
- Detailed renovation scope of work (SOW) with itemized costs.
- After-repair value (ARV) appraisal confirming post-renovation value.
- Exit strategy documentation — save for sale or refinance.
- US LLC formation recommended for liability protection.
- Proof of liquidity showing sufficient reserves for interest and costs.
How We Help
- We connect you with hard money lenders specialized in foreign national programs.
- Our team reviews your scope of work and ARV projections before submission.
- Our partners form your US LLC and set up entity banking remotely.
- We structure bridge loans with a clear DSCR refinance exit pre-planned.
- We help evaluate renovation budgets using local market data.
- Our network includes programs with extensions up to 24 months.
- Post-closing, we handle the seamless transition to permanent DSCR financing.
Questions About Fix & Flip Financing
Everything Canadian investors need to know about US bridge loans and fix & flip financing.
Getting Started
Strategy & Terms
Process & Logistics
Process & Logistics (Continued)
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