# Flipmax > Flipmax is a direct lender providing hard money and DSCR loans to real estate investors in Maryland, Virginia, and Washington, DC. Programs include fix-and-flip, bridge, and 30-year DSCR rental loans from $150,000 to $5,000,000. Term sheets are issued within 1 hour. Average close is 5 business days (fastest 3). Minimum FICO 600. Rates from 9.99%. Points from 1.5%. Up to 90% LTC and up to 75% of ARV. Based in Kensington, MD. Phone: (833) FLIPMAX. Email: deals@flipmax.com. ## Pages - [Home](https://flipmax.com/): Overview of loan programs, eligibility, pricing comparison, track record, and FAQ. - [Submit Your Deal](https://flipmax.com/apply/): 7-step application for borrowers and brokers. - [Contact](https://flipmax.com/contact/): Phone, email, office address, and social. - [Blog](https://flipmax.com/blog/): Insights on hard money lending and DMV real estate investing. ## Machine-readable - [llms-full.txt](https://flipmax.com/llms-full.txt): Consolidated plain-markdown version of every page on this site, optimized for LLM ingestion. - [Home (markdown)](https://flipmax.com/index.md): Markdown export of the home page. - [Apply (markdown)](https://flipmax.com/apply.md): Markdown export of the application overview. - [Contact (markdown)](https://flipmax.com/contact.md): Markdown export of the contact page. - [Sitemap](https://flipmax.com/sitemap.xml): XML sitemap of all indexable URLs. - [robots.txt](https://flipmax.com/robots.txt): Crawl policy and Content Signals declaration. ## Optional - [Why DMV Investors Choose Flipmax](https://flipmax.com/insights/why-dmv-investors-choose-flipmax/): Blog post on speed, local expertise, and repeat borrower rates.