100% fix and flip loans no credit check is how many investors search — but what they actually need is 100% financing with asset-based underwriting: the lender weights ARV, loan-to-cost, and exit before FICO, not instead of basic credit review. 100% financing isn’t the easiest type of funding to get — but it is possible when you’ve got what it takes. Jaken Finance Group funds non-owner-occupied investment properties nationwide, including fix-and-flip scenarios where qualified borrowers need maximum leverage on purchase and rehab.
Watch the program overview below, then get approved or submit your fix-and-flip file to see if your deal fits.
What is 100% financing for real estate investors?
In fix-and-flip lending, 100% financing usually means the lender covers the full stack of acquisition and rehab costs — or close to it — based on loan-to-cost (LTC) and after-repair value (ARV), not on a traditional down payment model. This is hard money or private lending, not a bank owner-occupied mortgage.
Investors pursue 100% leverage to:
- Preserve cash for multiple deals, carrying costs, or draw gaps
- Move faster on distressed properties without waiting to stack personal capital
- Scale a flip business while reserves catch up to deal flow
That leverage comes with tighter underwriting. The lender still needs confidence in the property economics and the borrower’s ability to execute and repay through a sale or refinance.
Does Jaken Finance Group offer 100% fix and flip financing?
Yes — on the right file. We have funded 100% fix-and-flip scenarios, including for borrowers without a long flip track record and for repeat sponsors with credit in the ~600 range — see the Hammond Indiana 100% purchase plus rehab case. That does not mean every deal qualifies, and it does not mean a lender takes all the risk while the borrower brings none.
For the asset-based credit story, see 500 credit score hard money lender and asset-based hard money lenders no credit check.
Hard money is asset-based, but approval still depends on:
- ARV and margin — comps, exit price, and room for interest, fees, and overrun
- Rehab scope — line-item budget, realistic timeline, credible contractor plan
- Borrower profile — liquidity, credit, and execution history (or a strong first-time file)
- LTC / LTV — how much of purchase plus rehab the numbers support at max leverage
If the pitch is “fund everything because my team is elite,” expect pushback. The investors who get funded lead with address, purchase price, ARV, rehab budget, timeline, and what they contribute — even when that contribution is modest today.
For a deeper walkthrough of lender expectations, see our article on 100% fix and flip financing requirements.
What lenders still require at 100% leverage
Even at or near 100% LTC, most programs expect:
| Requirement | Why it matters at max leverage |
|---|---|
| Liquidity | Reserves for carrying costs, draw gaps, overruns, and closing expenses |
| Decent credit | Not perfect FICO — enough to show you honor obligations and can repay |
| Credible exit | ARV supported by comps, defined rehab, timeline that fits the loan term |
| Skin in the game (often) | 10% down can make approval faster; 100% remains possible on strong files |
Experience helps but is not always mandatory. First-time flippers can sometimes access 100% fix and flip funding — expect more documentation, tighter numbers, or guarantor structure depending on the file.
100% financing vs. putting 10% down
Honest take from the lending desk: 10% down (or equivalent contribution) makes almost every fix-and-flip file easier to approve and faster to close.
When you contribute capital, you share downside risk with the lender, draw requests get less scrutiny, and underwriting can stretch on leverage because you’ve demonstrated commitment. 100% financing stays on the table for qualified borrowers and strong deals — but if you can put 10% down and choose not to, you may be trading a slightly higher out-of-pocket check for a smoother path to yes.
How 100% financing compares to bank fix-and-flip loans
| Factor | Bank renovation loan | Hard money fix and flip |
|---|---|---|
| Speed to close | Often 30–45+ days | As fast as 7–10 business days* |
| Experience required | Usually extensive | Flexible; stronger files at 100% LTC |
| Leverage | Typically 70–80% LTC | Up to 100% for qualified deals |
| Focus | Borrower W-2 and credit | ARV, LTC, exit, liquidity |
| Best fit | Slow, owner-occupied rehabs | Investor flips, speed, high leverage |
*Closing times are in business days and subject to appraisal payment, borrower conditions, and property access.
Build reserves before you ask for 100%
One of the fastest ways to strengthen your next lender conversation is to arrive with $20,000–$30,000 in liquidity — from wholesaling fees, joint ventures, W-2 savings, or other real estate activity, not vague “investor backing.”
Wholesaling is a classic path: find distressed sellers, assign or double-close contracts, and stack assignment fees until you have real reserves. Approaching a lender with zero money and asking for 100% financing signals you have not done the groundwork yet. There is capital everywhere in real estate — you have to show you are resourceful, not that someone else should take all the risk.
100% financing FAQ
Does Jaken offer 100% fix and flip loans with no credit check?
Jaken pulls credit but underwrites asset-based — not minimum FICO like banks. 100% purchase plus rehab is possible on qualified files; Jaken funded a ~600-credit repeat investor in Hammond, Indiana.
What replaces a credit check on 100% fix and flip loans?
ARV margin, loan-to-cost, documented scope of work, guarantor liquidity, and a credible resale exit. Strong property economics can outweigh moderate credit scores.
Is 100% financing available for first-time flippers?
Select first-time files qualify at high leverage when scope, ARV, and reserves are solid. Most beginners should plan on 10%–20% cash-to-close for faster approval — see fix and flip loans for beginners.
How do I apply for 100% fix and flip financing?
Submit a fix-and-flip application with address, purchase price, ARV, rehab budget, and bank statements — or get approved online.
Related programs and guides
- Submit a fix-and-flip application — share address, ARV, rehab scope, and leverage needs
- Get approved — pick your loan scenario — start pre-qualification online
- What is a hard money loan? — basics of asset-based investor lending
- Understanding LTV and LTC — how leverage is calculated
- Gap funding — bridge capital when you need to fill a shortfall
- Proof of funds — document buying power for offers and contracts
See if your deal qualifies
Have a property under contract or a wholesale fee you are rolling into your first flip? Get approved and share the address, ARV, rehab scope, and what you can bring to the table — or submit your fix-and-flip file and a Jaken Finance Group lending specialist will walk through leverage, reserves, and timeline.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access. All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.
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Jaken Finance Group, 2300 Barrington Road, Suite 400, Hoffman Estates, IL 60196