Borrow up to 80% of ARV³ & 100% LTC¹
  • 100% LTC Financing: Up to 100% Loan to Cost. 100% of Purchase Price & Cost of Repairs¹
  • 80% ARV: Borrow up to 80% of After Rehabbed Value³
  • ZERO Down Payment: DHLC has NO Minimum Down Payment Requirement⁴
  • Low Rates: Rates from 10.5%² Interest Only
  • No Minimum Credit Score: No Minimum Credit Score Requirement. Rates Based Upon Score.
  • 2% Origination Fee: Origination Fee as low as 2%²
  • No Prepayment Penalty: Never a Prepayment Fee on Fix-N-Flip loans

1DHLC will finance 100% of approved repairs and balance paid towards the purchase price up to 100% of the loan amount.

2History of 4+ loans with DHLC. Min. 720 Credit Score, 2 mo. bank statements & pay stubs (if employed) as well as last 2 yrs. tax returns. Typical borrowers pay a 3% Origination Fee

3Property must meet specific underwriting guidelines including property age (1970 or newer) size (min 3 BR 2 BA), After Repaired Value ($225k - $350k) and geographic location. Typical properties qualify for 70% of ARV. Call for complete details.

4Borrowers only pay Closing Costs, Origination Points and any “Gap”.

Multi-Family, Commercial, Or New Construction Loans: call for terms

Standard Loan Term

12 Months

minimum loan amount


maximum loan amount


Risk Based
Loan is based upon the risk of the deal. Borrower's credit, liquid assets, and experience are all considered.

Credit Reports
Payment history & credit scores are considered for all Hard Money Loans, regardless of amount. DHLC will pull credit for all new borrowers.

Loan To After-Repaired Value (LTARV)
Up to 80% at Lender's discretion subject to: risk, property condition, inspection, appraisal, and underwriting review.

Draw Inspection Fee
$150.00 per draw

Insurance Requirement
Hazard/Builders Risk Insurance required. All insurance MUST have a Theft Rider.

All loans will have Seller property tax credits held in escrow by Lender. A pro-rated amount will be added to monthly loan payment.

Doc Prep Fee
$550.00 - Payable at Loan Commitment

Appraisal and Inspection
DHLC will order Appraisal and Inspection. Vendors paid at time of service by borrower. $520.00 - In most cases

Home Warranty
$545.00 - Required on most loans

Loan Servicing Fee
$45.00 per month