February 27, 2025

Written by: Daly DiNatale

You’re driving through a quiet suburb in Charlotte, and there it is: a sagging ranch house, peeling paint, overgrown yard—ugly to most, but to you, a high-end investor, it’s a goldmine. Listed at $200,000, it’s got a post-flip value of $350,000 if you can move fast. The seller’s itching to unload, giving you a 10-day window before it hits the open market. You call your bank, and the loan officer chuckles: “We’ll need 45 days, minimum.” You hang up, unfazed, because you’ve got a better play—bridge loans for residential homes. At Capital Funding Financial, we’ve turned these nail-biter deadlines into done deals with our Fix and Flip Program. Here’s how you secure one and flip that diamond-in-the-rough before the competition even laces up.

A bridge loan is your short-term lifeline—think 6-24 months—designed to “bridge” the gap between buying and selling. In 2025, with existing-home sales at a 30-year low (AP News) and median prices at $396,900 (Business Insider), flips are hot. But banks? They’re stuck in the mud—6.84% mortgage rates (Bankrate) and weeks of delays. Bridge loans, like ours at www.capitalfundingfinancial.com, close in 17 days with 75% LTV, per our Residential page. Speed’s your edge.

Step 1: Spot the Right Property

Not every house is a flip. You need a deal with meat on the bones—buy low, sell high. That Charlotte ranch? $200,000 in, $50,000 in repairs, $350,000 out. Yieldi.com notes flippers thrive on distressed properties in tight markets—ours is at 639,485 listings (X Post). Run the numbers: 70% ARV minus repairs. If it works, you’re golden.

Step 2: Know What You’re Bringing to the Table

Bridge loans aren’t handouts. We’ll cover 75% LTV—$150,000 on that $200,000 buy—but you’re in for the rest, plus repairs. Got $50,000 cash? Perfect. No pristine credit needed; we’re eyeing the property’s potential. Last year, a Raleigh flipper—call him Mike—had $40,000 and a $180,000 fixer. We funded the gap; he sold for $300,000 in six months.

Step 3: Apply with Capital Funding

Hit www.capitalfundingfinancial.com. Tell us the deal: address, purchase price, repair budget, ARV. Our Fix and Flip Program—rates from 10.49%, 2-3 points—kicks in. No 20-page application; we’re lean. The Fed’s rate cuts stalled (NY Times), but our private funding doesn’t care—we’re ready when you are.

Step 4: Get the Green Light

We’ll check the ARV—$350,000 in this case—and your plan. Our underwriters move fast; you’ll hear back in days. Mike’s deal? Approved in 72 hours. Banks were still asking for his W-2s when he started demo. With 75% LTV, you’re covered up to $262,500 (70% of ARV), minus repairs—plenty for that $200,000 buy.

Step 5: Close and Flip

Seventeen days later, you’ve got keys and cash—$150,000 from us, $50,000 from you. Hammers swing, walls rise, and six months later, you’re listing at $350,000. Pay us back—$150,000 plus interest (say, $15,000)—and pocket $135,000. That’s the game. Tariffs might hike repair costs (CNET), but speed keeps you ahead.

Why Bridge Loans Work for Fix and Flip Properties

The market’s screaming for flips—low inventory, high demand. Bridge loans let you strike while banks dawdle. Our client Sarah flipped a $250,000 Atlanta bungalow last fall, sold for $400,000, and laughed at the bank’s “pending” stamp. With Capital Funding Financial, you’re not just funding—you’re winning.

That Charlotte ranch won’t wait. Secure a bridge loan with us—75% LTV, 17-day closings—and turn it into your next payday. Visit www.capitalfunding.com, get pre-approved, and flip the script on slow financing. You’ve got the vision; we’ve got the cash.