BLACK FOX LENDING
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Loans We Offer

Flexible leverage, straight terms

Choose how much you put down, then pick the rate-and-term structure that fits your project. Every loan is underwritten on the deal — ask us how these stack on your numbers.

Down Payment & Leverage

How much down?

The more you bring to the table, the higher we’ll go on the After-Repair Value (ARV).

$0
No Money Down
Up to 65% of ARV
Keep your cash in your pocket on the right deal.
10%
Down
Up to 70% of ARV
A balanced middle option for active flippers.
20%
Down
Up to 75% of ARV
Most leverage on the finished value — best pricing.
Down payments can be waived — find out how.

Already own other real estate? Put it to work. Bringing an additional property as cross-collateral lets us lend higher on your deal — often all the way to zero down — so you keep your cash for the rehab and still close fast. It’s leverage most lenders won’t offer.

Find out how ›
How cross-collateral works: pledge a second property you already own and we can lend more against your deal — sometimes with no money down. To qualify, that property should be:
  • An investment property — not your primary residence.
  • Owned with real equity: a current loan-to-value of 50% or less (at least half its value is equity).
Have one that fits? Mention it when you reach out and we’ll show you how far it takes your leverage.
Rate & Term Options

Pick your product

Two ways to price the money — a low-cost short-term start, or a longer runway for bigger rehabs.

★ Our Special
Bet on Yourself
6-month term
10.5% / yr
2.5 points
  • Priced for investors who hit their timeline
  • Rolls into a second 6 months at 12% and 3 points
The Long Game
12-month term
10% / yr
5 points
  • Longest runway — room for bigger rehabs
The Cash Flow Monster
6-month term
$1,000 / mo
10.5% · 5 points
  • Flat $1,000/month payment
  • The rest rolls to payoff
See how it works ›
💡 How points work: points are a one-time fee on the loan amount (1 point = 1%), paid at closing.
Special Program

The Cash Flow Monster

Keep your cash for the rehab. Pay a flat $1,000 a month.

10.5% · 5 points · 6-month term
1

Pay just $1,000 a month

That’s your whole monthly payment — simple and predictable.

2

The rest waits until the end

Say your normal payment would be $2,200. You pay $1,000. The other $1,200 gets added to your loan and paid off when you sell or refinance.

3

Only on strong deals

Even after a full year of that extra rolling on, everything you owe still has to stay under 65% of the home’s value. So we save this one for smoking deals with room to spare.

A quick example
Normal payment$2,200/mo
You pay$1,000/mo
Rolled to payoff$1,200/mo
You keep for the rehab$1,200/mo
Built for newer investors who land a great deal but need the monthly cash flow to finish the rehab. Your loan plus a year of deferred interest stays under 65% of value — so the deal always has to be strong.
Compare Your Options

Estimate & compare

Enter a loan amount and how long you’ll hold it — see how each product pencils out.

Estimates only. Points are financed into the loan and earn interest. Renewal terms apply past 6 months. Not a commitment to lend — final terms depend on the deal and underwriting.

Not sure which fits your deal?

Send us the numbers and we’ll show you the best structure — usually same day.

Apply for a Loan → Get a Pre-Approval

Rates, points, and leverage shown are example structures for illustration and are not a commitment to lend. Final terms depend on the property, the deal, borrower experience, and underwriting. Black Fox Lending · blackfoxlending.com