Rehab Loans
100% financing for real estate investors. Pine Financial Group provides funding for the purchase price of the property and the rehabilitation costs, up to 70% of the property’s after repair value.
REHAB LOANS 101
Helping investors purchase and improve real estate
Obtaining adequate capital to close deals quickly in the current environment can be challenging. Leverage our signature rehab loan product and experienced real estate investment team to get you through your next project. Our in-house servicing team offers you a consistent point of contact for any and all questions throughout the entire process.
With Pine Financial Group at your service, you gain access to the capital required throughout the life of your project, empowering you to confidently navigate your fix and flip.
The Pine Advantage
Why Pine Financial for your loan?
Streamlined funding process
We offer industry-leading underwriting and funding times. Our underwriting and closing processes are efficient.
No experience requirements
In-house loan servicing
No prepayment penalties
Up to 70% of ARV
Competitive fixed rates
Our Loan Process
We’re your partner throughout the process
Step One: Complete application
Step Two: Gather documentation
Step Three: Underwrite file
Step Four: Close
Questions? Get in touch
Tel: (303) 835-4445
Rehab Loans 101
Tools to start your journey
Fix & Flip Calculator
Fix and flippers can instantly calculate deal profits, closing costs, monthly returns and more.
Max Offer Worksheet
This worksheet walks you through calculating the maximum price you should pay for a property.
Scope of Work Spreadsheet
This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.
MAO Rental Calculator
This calculator will help calculate your maximum offer price and return on investment with a rental property purchase.
Questions? We’re here to help
How do you determine rates, leverage, and loan terms?
Rates, leverage amounts, and terms are dependent on the location and type of property. Get prequalified today and speak to one of our Loan Officers to get specific deal terms for your situation.
If my project takes longer than expected, can you extend the loan term?
Do you lend to first-time flippers?
How do you determine the after-repair value (“ARV”)?
In most cases, the ARV is determined by an appraiser or an internal evaluation. The appraiser will need the scope of work to determine the ARV assuming all repairs are completed.
How do repair draws work?
What if the repair costs incurred differ from the budgeted amount?
Do you pull credit? If so, when?
What are reserves and how much do I need to qualify?
Reserves represent the amount of cash you have on hand to fund expenses in excess of your budget and to fund your monthly interest payments. We require liquidity of the greater of 10% of the loan amount or $10,000. Retirement accounts are not considered in assessing your liquidity. Qualifying accounts and assets include personal or business checking and savings accounts, money market accounts, brokerage accounts, etc.
More loan options
Explore our other hard money loan offerings
90% Acquisition Loans
This loan provides borrowers with 90% of the property purchase price.
90-90 Loans
A hybrid between our 90% Acquisition Loan and Rehab Loan products, the 90-90 Loan provides the benefit of funding the lion’s share of the rehab cost at a lower cost than the Rehab Loan.
Bridge Loans
Construction Loans
This loan provides borrowers with financing to cover the cost of acquisition of land and development.