Hard money exists because banks will not fund distressed properties on an investor timeline. You found the deal — now you need capital that closes in days, funds rehab on a draw schedule, and underwrites the after-repair value instead of your W-2.
The Fix-and-Flip Financing Playbook is Jaken Finance Group’s field guide for sponsors who want to stop guessing at leverage and start submitting packages lenders approve on the first pass. Whether this is your first flip or your fiftieth, the framework is the same: accurate ARV, honest scope, structured draws, clean exit.
Inside this guide you’ll learn
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Understanding Hard Money for Fix-and-Flip — How asset-based lending differs from conventional mortgages, what LTC and ARV mean for your max offer, and why interest-only payments during rehab preserve cash flow.
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How to Calculate ARV and Max Offer Price — Comp selection rules, adjustment logic, and a worked example you can replicate on your next deal before you write the offer.
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The Draw Process: How Funds Are Released — Milestone schedules, inspection prep, and how to avoid the cash-flow gap between completed work and wired holdback.
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Scope of Work Basics for Hard Money Lenders — Line-item templates, contingency benchmarks, contractor documentation, and the mistakes that delay approval.
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Closing Your First (or Next) Flip Deal — Loan application checklist, entity setup, insurance binders, and coordination with title for a 7–10 day close.
Who this playbook is for
- First-time flippers who need a lender that does not require a long track record
- Experienced sponsors expanding into Illinois, Indiana, North Carolina, Georgia, Florida, South Carolina, or the DC metro
- Investors comparing hard money terms who want a single checklist instead of scattered blog posts
Jaken funds fix-and-flip projects statewide from our McHenry County headquarters — brick two-flats, collar-county SFR, and downstate ranch rehabs on programs tuned for how investors actually build. See current terms on our fix and flip loans Illinois hub page.
Put the math to work before you apply
Every chapter in this playbook connects to tools on the site:
- Run acquisition, rehab, carry, and profit scenarios in the fix-and-flip calculator
- Build your rehab budget using our scope of work guide
- Understand how draws release after close in the fix-and-flip draw process guide
Related reading
Dig deeper on specific topics with these posts from the Jaken blog:
- Master fix-and-flip financing: a complete guide to hard money loans
- Know about fix and flip loans
- Thriving in the fix-and-flip market with Jaken Finance Group
Get the playbook and fund your next deal
This page is your preview. When you are ready to move from reading to closing, get pre-qualified with Jaken Finance Group — upload your purchase contract, scope of work, and ARV comps. Most complete files receive term sheets within one business day.
No experience required for qualified first-time investors. Programs available across all 50 states with core market expertise in the Midwest, Southeast, and DC corridor.