Hard Money Loans With No Money Down: What Works
Hard money lenders with no down payment are rare on a purchase. Why lenders need equity, what really lowers your cash and a worked fix and flip example.
INSIGHTS & RESOURCES 6 ARTICLES
FIX & FLIP LOANS ARTICLES
Articles on fix & flip loans from the Loan Goat team.
Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. See the fix & flip loans program page for the published terms, or browse every article.
How to Get a Hard Money Loan in Arizona
How Arizona investors get a hard money loan, step by step, and our fix and flip, bridge and DSCR terms for Phoenix, Tucson and Scottsdale deals.
LTV vs LTC vs ARV: How Fix and Flip Loan Amounts Are Calculated
Three ratios decide how much a fix and flip lender will lend. What LTV, LTC and ARV each measure, how they combine and why the lower number wins.
How Much Money Do You Need to Flip a House?
The four cash needs on a flip, what the loan actually covers, what first time flippers should expect and the honest ways to reduce cash at the table.
How Rehab Draws and Holdbacks Work
The renovation money is held back and released in stages. How draws are requested and inspected, what slows them down and how to plan your cash around them.
Top Fix and Flip Strategies for 2026
The fix and flip strategies that still work in 2026: buying right with the 70% rule, a worked financing example, the scope that pays, timelines and the exit.