© 2025 Hera Lending. All rights reserved.
Member of
NMLS ID 2678531 | Equal Housing Opportunity
Fast, Flexible Funding Fast
We combine speed, flexibility, and expertise to deliver the financing solutions real estate investors need
Delays kill deals. We provide approvals within 10 – 12 days so you can act when opportunity strikes. Our private money lending approach means faster decisions than traditional banks.
Exit your loan early without additional costs when you sell or refinance – giving you complete flexibility with your real estate investor loans.
We focus mainly on 1–4 unit residential properties, enabling us to offer products that truly align with investor needs.
With $1.5 billion in loans originated over 5+ years, we’re a trusted partner from your first flip to your fiftieth.
We serve investors across the U.S. states (excluding New York, Hawaii, California, and Puerto Rico), from high-demand markets to emerging opportunities nationwide.
✔ Texas ✔ Florida
✔ Arizona ✔ North Carolina
✔ Georgia ✔ Tennessee
✔ And 30+ more
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Choose the right financing solution for your project scope and renovation needs
Quick Turnaround
Our Light Fix and Flip option is designed for properties requiring cosmetic upgrades like painting, flooring, kitchen updates, or light repairs. Perfect for quick-turnaround projects with proven profit potential.
Complex Projects
For properties needing extensive renovations—from plumbing and electrical systems to structural changes and full gut rehabs—our Heavy Fix and Flip option provides the depth and flexibility to support complex projects.
Choose the right financing solution for your project scope
| Feature | Light Fix & Flip | Heavy Fix & Flip |
|---|---|---|
| Project Type | Cosmetic upgrades | Full renovations |
| Timeline | 3–6 months | 6–12 months |
| Draw Schedule | Simplified | Detailed milestones |
| Inspection Requirements | Minimal | Comprehensive |
| Ideal For | Quick flips | Complex projects |
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Based on project scope and After Repair Value (ARV)
Decisions within fast approval
Capital released in phases to match progress
Single-family homes, duplexes, triplexes, and fourplexes
Complete flexibility for early exit
Available across the U.S.
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Fix and flip financing success hinges on three key calculations
Compares the loan amount to the after-repair appraised value (ARV) of the property.
Typical range:
for qualified borrowers
Compares the loan amount to the total project cost, including both purchase and renovation.
Typical range:
of combined costs
Represents the projected market value of the property once all planned renovations are completed.
Used to determine:
See how LTV, LTC, and ARV work together in a real scenario
$200,000 ÷ $350,000 = 57% LTV
$200,000 ÷ $250,000 = 80% LTC
Our specialists work with you to optimize these ratios for maximum profitability while ensuring appropriate risk management.
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Getting started with a Fix and Flip Loan from Hera Lending is fast and hassle-free
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Our specialists work with you to optimize these ratios for maximum profitability while ensuring appropriate risk management.
Get answers to common questions about our fix and flip loan programs
No, our fix and flip loans are specifically designed for residential properties only. However, we do offer other loan products including Bridge Loans, Ground Up Construction Loans, and DSCR Loans that may better suit different real estate investment needs.
You have the flexibility to refinance into one of our DSCR (Debt Service Coverage Ratio) loans, which are designed for long-term rental property ownership. This gives you options as your investment strategy evolves.
Our online application process is simple and straightforward. You can apply directly through our website at heralending.com, and our lending specialists are available to assist you with financing options and answer any questions at +1 (305) 394-6432.
We combine advanced technology with personalized service, backed by over 5 years of experience and $1.8 billion in loans originated. Our commitment to trust, transparency, and client empowerment means you get fast approvals, disbursements, and no hidden fees or penalties.
Yes, our services are available in both English and Spanish to better serve our diverse client base across the U.S.
We require at least three successful fix and flip projects to ensure you have the experience necessary to execute profitable renovations. This requirement helps us maintain our high success rate while supporting experienced investors who understand the market.
Loan approval decisions are delivered quickly, with disbursements issued promptly upon approval.
Our streamlined process is ideal for investors who need to act fast in competitive, time-sensitive markets.
No. Hera Lending never charges prepayment penalties, giving you complete flexibility to sell or refinance whenever it makes financial sense for your project. This flexibility is part of our commitment to transparent, investor-friendly terms.
We finance 1–4 unit residential properties including single-family homes, duplexes, triplexes, and fourplexes across the U.S.. We do not lend in New York, California, Hawaii, or Puerto Rico.
Funds are disbursed through a structured draw schedule as work progresses and milestones are completed. This ensures capital availability when you need it while maintaining proper project oversight throughout your renovation.
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Hera Lending is a leading private lender specializing in fast, flexible financing solutions for real estate investors and property owners.
© 2025 Hera Lending. All rights reserved.
Member of
NMLS ID 2678531 | Equal Housing Opportunity
