Fix and Flip Loans in Whatcom County, Washington
Close quickly with transparent, asset-based funding designed for investors, brokers, and contractors across Bellingham, Lynden, Ferndale, and Blaine.
Why Us?
LoiNow has funded 1,000+ real estate investment projects across Washington. We combine local expertise with fast decisions and clear draw management so you can acquire, rehab, and resell with confidence.
- Close in 5–10 business days
- Minimal documentation, no income docs required
- Interest-only payments and flexible terms
- Local team with Washington market knowledge
- Transparent fees and clear communication
How to Qualify?
- Property under contract or currently owned
- Defined scope of work and budget (can be simple)
- Clear exit strategy—resale or DSCR refinance
- Basic borrower info (LLC or personal)
Property Types Eligible
- Single-family homes (including distressed)
- Condos and townhomes (case-by-case)
- Small multifamily (2–20 units)
- Mixed-use properties
- Light commercial value-add flips
Local Lending Experience
- Whatcom County offers active fix-and-flip opportunities across Bellingham core neighborhoods, Ferndale infill, and Blaine waterfront pockets.
- We understand permitting timelines, weather-driven rehab scheduling, and material sourcing typical of Northwest Washington. Mention nearby markets naturally to strengthen statewide relevance: Seattle, Spokane, Tacoma, Bellevue, Redmond.
How the Process Works
Submit Deal Scenario
Same-Day Soft Terms Issued
Fast Closing
Benefits over Traditional Banking
Approvals in days
Distressed property support
Closing in 5 - 7 days
Rehab financing included
No Income Docs Required
Loan Program Overview
What it is: A short-term, asset-based loan that finances your purchase and rehab. We underwrite primarily on property value and scope of work (SOW) not personal income
Core Terms:
- Loan Amounts: $100,000 – $5,000,000+
- Max LTV: Up to 75% of purchase; up to 100% of rehab (subject to leverage caps)
- ARV Leverage: Up to 70–75% of ARV
- Terms: 6–18 months, interest-only
- Appraisal: Often waived; internal valuation accepted
- Prepayment: Flexible (request current options)
FAQs
Most projects close in 5–10 business days after title and basic docs are in.
Often waived. We use internal valuations and ARV analysis with your scope of work.
Demo, framing, roofing, MEPs, interiors, exterior improvements, permit fees, and contingencies are typically eligible.
Ready to fund your Whatcom investment?
Fast approvals. No income docs. Same-day term sheets.