# Flipmax — Direct Hard Money & DSCR Lender

> Direct lender funding fix-and-flip, bridge, and DSCR rental loans for real estate investors in Maryland, Virginia, and Washington, DC.

- Website: https://flipmax.com
- Phone: (833) FLIPMAX / (833) 354-7629
- Email: deals@flipmax.com
- Office: 10410 Kensington Pkwy, Suite 224, Kensington, MD 20895
- Apply: https://flipmax.com/apply/
- Social: @833flipmax (Instagram, Facebook, LinkedIn, TikTok)

## At a glance

- Loan size: $150,000 – $5,000,000
- Geography: Maryland, Virginia, Washington DC (DMV metro)
- Minimum FICO: 600 (680+ for best terms)
- Max LTV: up to 75% of ARV
- Max LTC: up to 90%
- Down payment: as low as 5% for experienced investors
- Rates from: 9.99%
- Points from: 1.5%
- Term sheet: issued within 1 hour of submission
- Average close: 5 business days (fastest 3)
- Draw approvals: 24–48 hours
- Track record: 160+ properties financed, 60%+ repeat borrower rate
- Capital: direct lender using own capital (no warehouse line dependency)

## Loan programs

### Fix & Flip (most popular)
Purchase and rehab funding for single-family, townhomes, and small multifamily (2–4 units).
- 6, 12, or 24-month terms
- Up to 75% of ARV, 90% LTC
- As low as 5% down for experienced investors
- No prepayment penalty
- 24–48 hour draw approvals

### Bridge
Short-term financing for properties the borrower already owns — refinance, cash-out, or stabilize before transitioning to permanent financing.
- 6, 12, or 24-month terms
- Cash-out available
- Flexible exit strategies

### 30-Year Rental (DSCR)
Long-term financing for buy-and-hold investors.
- 30-year fixed and ARM options
- DSCR-based qualification (no tax returns required)
- Up to 75% LTV

## Sponsor tiers

Flipmax packages terms into three tiers based on experience and credit.

| Tier    | Label        | Down payment | Term               | Experience | Min FICO |
|---------|--------------|--------------|--------------------|------------|----------|
| Fuse    | Entry Track  | 20%          | 6 or 12 Months     | 0 Flips    | 600      |
| Ignite  | Growth Track | 10%          | 6, 12 or 24 Months | 1+ Flips   | 640      |
| Nexus   | Pro Level    | 0%           | 6 Months           | 5+ Flips   | 740      |

## Eligibility

- Credit Score: minimum 600 (680+ for best terms)
- Loan Amount: $150,000 – $5,000,000
- LTV: up to 75% of ARV
- Down Payment: as low as 5% (experience dependent)
- Location: MD, VA, DC metro areas
- Experience: first-time investors welcome

## How Flipmax compares

| Metric              | Industry typical | Flipmax                       |
|---------------------|------------------|-------------------------------|
| Time to term sheet  | 3–5 days         | Same day                      |
| Average close time  | 21–30 days       | 3–10 days                     |
| Draw turnaround     | 7–10 days        | 24–48 hours                   |
| Communication       | Voicemail loops  | Direct line to your deal lead |
| Post-close support  | Minimal          | Dedicated draw management     |
| Rates from          | 12–15%           | 9.99%                         |

Rates and terms vary by deal profile, credit, experience, and market conditions.

## Property types financed

Single-family homes, townhomes, condos, and small multifamily (2–4 units).

**Not financed:** raw land, ground-up construction, owner-occupied loans.

## Application process

1. Submit a deal at https://flipmax.com/apply/ (7-step form).
2. Within 2 hours, a Flipmax team member calls the applicant.
3. Within 24 hours, a preliminary term sheet is issued.
4. Days 2–3: appraisal ordered.
5. Days 5–7: underwriting complete.
6. Days 8–10: clear to close.

The applicant works with the same point of contact from term sheet through closing.

### Application inputs collected

- Borrower: first/last name, email, phone, date of birth, SSN, residency status, e-signature
- Loan: loan type (fix-and-flip, bridge, DSCR), property subtype
- Property: full address, city, state, zip, county
- Deal details: purchase price, rehab budget, ARV, desired term, target closing date, monthly rent (DSCR), existing debt, occupancy
- Experience: tier, properties completed, SREO (schedule of real estate owned)
- Consent: terms of service, credit authorization (timestamped, IP-logged)

## FAQ

### How fast can you actually close?
Average this quarter is under 10 business days. Fastest was 3 days. Qualified borrowers with clean title and a completed appraisal close fastest.

### What are your rates and fees?
Rates from 9.99%. Points from 1.5%. Up to 90% LTC. Specific rate depends on credit, experience, LTV, and deal profile.

### What if my credit isn't perfect?
Flipmax works with borrowers starting at 600 FICO. Property, plan, and numbers come first. Higher scores (680+) get better terms.

### How do I know Flipmax will come through?
160+ properties financed. 60%+ repeat rate. Flipmax uses its own capital — no warehouse lines that dry up, no last-minute funding committee.

### What happens after I submit my deal?
Within 2 hours, a team member calls. Within 24 hours, a preliminary term sheet. Appraisal, underwriting, and closing follow — typically within 10 business days.

### What types of properties do you finance?
Single-family, townhomes, condos, and small multifamily (2–4 units) in MD, VA, and DC. Fix & flip, bridge, and DSCR rental only. Not land, not ground-up, not owner-occupied.

### What makes Flipmax different from bigger lenders?
Direct lender using own capital, based in the DMV. No call centers, no funding committees, no three-week approval process. Same point of contact from term sheet to closing.

## Client outcomes (anonymized)

- G.G. — Fix & Flip, Silver Spring, MD: closed $285K bridge loan in 8 business days; 4th deal with Flipmax.
- W.C. — 15+ years experience, 100+ properties: rehab draws funded within 24 hours, every time.
- S.C. — Multifamily investor, Annapolis, MD: closed 12-unit building in 10 days.
- M.T. — Rental portfolio, Northern VA: scaled from 2 to 8 units in one year via DSCR program.
- V.M. — Fix & Flip, Prince George's County, MD: 24-hour draw approvals kept a $90K rehab on schedule.
- D.P. — First-time investor, Fairfax, VA: closed in 5 business days.

## Referral program

Refer an investor to Flipmax and earn $1,500 when their loan closes.

## Disclosures

Flipmax is a direct lender. Rates and terms vary by deal profile and are subject to market conditions. Flipmax does not make owner-occupied loans. This document is not a commitment to lend.