Funding solutions
Loan Options at Creative Investment Funding
We fund non-owner-occupied residential properties across the country. Whether you're flipping, refinancing, or buying a rental, we have solutions that fit.
Basic Loan Terms:
Loan Amounts: Starting at $30,000 with no upper cap if the numbers make sense.
Rates: From 7.5% annual interest
Origination Fees: 0–5%
(Credit score affects rate but not loan approval.)Terms:
Fix & Flip: 6 to 24 months
Buy & Hold or Refi: Up to 30 years
Track Record Bonus: One loan per applicant until successful performance is established.
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At Creative Investment Funding we understand the biggest mistake any investor make:
shopping for funding too early. It's a common misstep that can cost time and deals. The truth is the best time to secure funding is after you have the property under contract.
Why?
Until you’ve locked in a deal, that property is fair game—and no lender wants to commit time and resources to something that could be gone tomorrow. That’s why we encourage investors to follow this simple 4-step process first:
✅ 4 Steps to Secure the Deal Prospect & Review Potential Properties
Submit Offers
Get Offer Accepted
Place Earnest Money in Escrow
Once completed, you’ll have a fully executed Purchase and Sale Agreement, and that’s when you’re ready to secure funding. Ready to move forward? Fill out the form below, and we’ll respond with a term sheet within 24 business hours.
Why Use Private Money?
Here are 5 key reasons why real estate investors turn to private money lenders like Creative Investment Funding:
It’s Fast
Time is money—especially in real estate. We fund deals in days to weeks, not months like traditional banks.
It’s Based on the Deal, Not Your Credit
We care more about the value of the property than your credit score. The property is our primary asset.
It’s Everywhere
Private capital often comes from individuals looking for better returns than traditional investments. We help connect that capital to solid real estate opportunities.
It’s Creative
Unlike banks, we embrace deals that need work—literally. Properties requiring rehab are often ideal for private money.
It’s Flexible
No rigid guidelines or endless red tape. We work with you to structure a loan that fits your deal and your goals.
Having a reliable private money partner like Creative Investment Funding gives you the confidence to make offers and get deals done. If your deal makes sense and meets our guidelines, we’ll help you fund it.
What Makes a “Fundable” Deal?
We fund deals that offer strong potential for profit and reduced risk. Our 5-point criteria helps you focus on the sweet spot of real estate investing:
1–4 Unit Properties
These attract a wider pool of buyers and align with FHA guidelines.Priced at or Below FHA Limits
FHA-backed buyers dominate many markets. Staying within their range ensures faster resale potential.Smaller Homes (≤ 5 Beds, 3 Baths)
Both Millennials and Boomers are drawn to modest-sized homes with modern features and manageable maintenance.Lots Under 2 Acres
More acreage often means more expense and upkeep—something many buyers want to avoid.Affordable Markets
We prioritize properties that offer stability and resilience, even in changing markets.
Let's Fund Your Next Deal
At Creative Investment Funding, we don’t just lend money—we partner with you to make smart, profitable investment moves. From fix-and-flips to buy-and-hold strategies, our funding solutions are built to get your deal across the finish line.
Ready to get started? Submit your deal below or email us directly at
Rita@CreativeInvestmentFunding.com
You bring the deal. We bring the money.