Fix and Flip Loans/REO and Distressed Property Loans

Fix and Flip Loans/REO and Distressed Property Loans2023-04-26T16:21:09+00:00

Hard Money Lender in California

HCS Equity is a short-term, hard money lender in the state of California specializing in fast real estate loans to help you achieve your investment goals.

HCS Equity is a direct lender able to act quickly and provide you the assurance of funding within a prescribed timeframe, which can make all the difference in your ability to confidently close a rehab project. We have worked with seasoned investors and contractors for over 20 years to provide capital for the acquisition of underpriced assets.

With our background in construction and rehab, we are not afraid of distressed properties in various conditions: red tags, code violations, incomplete construction, damage from fire or the elements, and the many other situations that would disqualify you from a conventional loan. We lend on the current market value of the property in “as is” condition, providing the ability to take future draws. With no prepayment penalties and flexible loan terms we are a great tool to be successful in the competitive fix and flip real estate market.

Obtaining a loan to help you fix and flip a property at competitive rates and with a quick turnaround is possible with HCS Equity.

Contact us today to get started on your rehab loan.

Additional Benefits of Securing your Fix and Flip Loan

with HCS Equity, Include

  • Close in as little as 4-6 days with a full package
  • Principals are experienced developers with 20+ years in the construction trade
  • Red tags, fire-damaged properties, vacant homes or commercial property, debris-covered properties, all okay
  • Can cross-collateralize multiple properties to provide above 100% LTV and additional funds for rehab
  • Loan amounts from $100k to $2M
  • Providing capital for single-family residential, multiple-family units, and commercial properties
  • No prepayments or minimum month interest
  • Interest only payments


Can the rehab loan be paid off anytime?2022-10-11T14:54:44+00:00

Yes, there are no prepayment penalties on rehab loan offered by HCS Equity. The property can be refinanced into a conventional loan or sold as quickly as you are able.

Can I borrow funds for the actual rehab of the property?2023-05-03T16:29:35+00:00

No, HCS offers purchase loans based on the current “as-is” value of the property.

How much capital do I have to put down?2023-05-03T16:30:57+00:00

HCS Equity is looking for seasoned investors that have a minimum of 35% to put down. Additionally, you must be able to provide proof of the funds for the rehab costs.

Do you value the property on the purchase price or actual value?2022-10-11T14:56:08+00:00

HCS Equity bases our loan amount on the actual value of the property in its current condition. If you are able to secure a below market purchase price on the property, we will base our loan amount on the actual fair market value.

Can I use another property that has equity for my down payment?2022-10-11T14:56:30+00:00

Yes, we can cross collateralize using another property that has substantial equity.

Do you offer pre-approvals so I can make offers?2022-10-11T14:56:53+00:00

Yes, we provide full approval letters to go along with your offer.

Does my credit and income matter?2022-10-11T14:57:15+00:00

Not usually, we are more focused on the project, expected take out price, cost of construction and funds to complete the project. We have over 20 years of construction and rehab experience, so we are aware of the pitfalls and costs associated with most projects.

How long is the term of a fix and flip loan?2022-10-11T14:58:03+00:00

Our terms are typically based on a one-year balloon payment, but we understand the delays in getting permits, materials, tenant evictions, etc. so we can make exceptions up to a two year balloon.

What is the maximum loan amount you will offer?2022-10-11T14:58:21+00:00

Our loan amounts for rehab projects range from $30,000 to $3,000,000 per transaction.

Can a property have pending red tags or other code violations?2022-10-11T14:58:45+00:00

Yes, we fully understand open issues with city and county permits and building code issues.

Looking To Get Started?

Contact us today for more information regarding any of our loan products. As direct lenders, we make quick approval decisions, and can provide funding in as little as 7-10 days. We are available via phone or email anytime of the day or night.

Private Loan Process

*This is for illustrative purposes only, HCS Equity does not provide legal advice or services

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