About our lending service
We provide short-term, asset-backed loans to investors who renovate and resell residential properties. Our focus is on speed, straightforward underwriting, and practical support during the life of the project. Loans are structured to reflect the realities of renovation timelines and resale windows commonly seen in Baltimore neighborhoods.
Applicants typically include professional flippers, rehabbers, and investor teams who need capital for purchase, renovation, or both. Our process centers on clear eligibility requirements, transparent fee disclosure, and practical milestones tied to project draws.
Who benefits
Our loans are designed for investors who require:
- Fast access to capital for competitive acquisitions;
- Flexible draw schedules that match renovation phases;
- Loan terms that consider after-repair value rather than just purchase price;
- Local underwriting that understands Baltimore market cycles and neighborhood dynamics.
Borrowers range from first-time flippers executing a single project to established firms managing multiple flips simultaneously. Underwriting takes experience and proposed scope into account; strong project budgets and realistic timelines improve approval odds.
Loan features and terms
Key features common to our short-term rehab loans:
- Loan purpose: Acquisition, renovation, or combined purchase-and-rehab.
- Term length: Typically 6–18 months, with options to renew under specific conditions.
- Loan-to-cost and loan-to-value: Calculated against project estimates and after-repair value (ARV).
- Interest and fees: Competitive, fully disclosed at application, with no hidden charges.
- Draw management: Funds released on verification of completed work stages using receipts and inspections.
- Exit strategy: Sale on the open market is the standard exit; borrowers may present alternative exit plans for review.
We evaluate each project on its merits. A clear budget, contractor commitments, and evidence of profit margin after sale create the strongest loan packages.
Application and funding process
Our application process is designed to move efficiently while keeping underwriting standards high:
- Pre-application consultation to review project scope and timelines;
- Submission of property information, contractor estimates, and borrower qualifications;
- Underwriting and site review, including appraisal or valuation tied to ARV;
- Loan approval with clear disclosure of rates, points, and scheduled draws;
- Funding and monitoring through completion, followed by payoff after resale.
Timeframes vary with project complexity and appraisal scheduling, but our local presence helps reduce avoidable delays.
Practical advantages
Working with a local lender adds value beyond capital. Our team offers market insight, prior project references, and a history of financing flippers in Baltimore neighborhoods. We prioritize clear communication about work approvals and funding milestones so borrowers can focus on construction and marketing the finished property.
For general information and to view our product page, visit https://efundhomes.com/.
For the specific loan product dedicated to renovation lending, click the link below:
Eligibility and required documentation
Typical documentation required for review includes:
- Purchase contract or intent to purchase;
- Renovation scope and contractor bids;
- Recent financial statements and investor experience summary;
- Proof of other project financing, if applicable;
- Title documentation and any municipal compliance items.
Our team will outline document checklists early in the process to minimize back-and-forth and speed approvals.
Contact and next steps
If you are ready to discuss financing for a renovation project or would like a project review, reach out by phone or email. Our local office is available to schedule an on-site visit where appropriate.
To begin, call the number above or visit the homepage: https://efundhomes.com/
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