Investors First Lending 888-241-FUND
MARYLAND FIX & FLIP FUNDING

KEEP YOUR CASH.
WE FUND THE FLIP.

$0 monthly payments.
100% rehab at closing.

A few taps. Your tier, your cash to close, your payments. Instantly.

Get My Snapshot →

*No appraisal and 2-day closings apply to qualified deals. Business-purpose loans only.

YOUR SNAPSHOT
YOUR LEVEL
FUEL
CASH YOU DON'T TIE UP
$0
$0
cash to close
$0
due monthly
100%
of purchase
100%
rehab at closing
Lock my terms
No appraisal* Close in 2 days*
✓ No appraisal*✓ Close in as little as 2 days*✓ Direct lender✓ Maryland only
THEY SELL RATE. WE SELL CASH.

Cash out of your pocket before you sell.

$200K purchase · $50K rehab · 6-month flip

EXAMPLE MONTHLY-PAY LOAN~$41K10% down $20,000 · closing ~$10,000 · 6 payments ~$10,600 · rehab reimbursed after inspections
IFL FUEL$0$0 down · closing costs can come from rehab funds · $0 monthly · 100% rehab wired at closing

Illustration only, not any specific lender's offer. Example loan assumes 90% of purchase financed, 9% interest-only paid monthly on about $235K, closing costs ~5%. Compares cash out of pocket before sale, not total cost: IFL's total cost on this example is about $22K in interest, points and fees, paid at sale. FUEL requires 18+ flips a year and approval.

YOUR NUMBERS · DRAG TO TRY

Cash to close, by tier.

Cash you don't tie up on FUEL vs. an example monthly-pay loan. Not profit: IFL interest, points and fees are paid at payoff. $0
Payments you skip$0 /mo
FUEL$0
FLOW$0
FLIP$0

Estimates, not offers. Closing costs ~5% of purchase. Subject to underwriting.

Save as my Snapshot

Pick your level.

18+ FLIPS A YEARFUEL$0 to close. $0 a month.100% purchase · 100% rehab at closing · up to 70% ARVSee FUEL →
8–17 FLIPSFLOW$0 a month. First 3 draws free.Up to 100% purchase · 100% rehab via draws · up to 75% ARVGet my FLOW Snapshot →
3–7 FLIPSFLIPNone due monthly. Up to 90%.100% rehab in 5 draws ($250 each, unused refunded) · up to 70% ARVGet my FLIP Snapshot →
EXAMPLE FUEL DEAL$0 to close$0 a month$272K paid at sale$200K buy · $50K rehab · $257K loan · 6 months
12%
fixed
2 pts
+ $1,850
6 mo
term
$100K+
loans

Every tier. Rates and terms subject to underwriting and can change. Example only, not a commitment to lend.

QUIET MONEY

Your deals
stay yours.

No deal posts
We never advertise your addresses.
No middlemen
Your file stays with one desk.
No retrades
If the deal doesn't change, the terms don't.
No call center
Text the desk. Get a decision.
How the desk works

Snapshot to keys.

DAY 0
Snapshot
30 seconds. Instant reply.
DAY 1
Term sheet
Straight from the desk.
DAY 2*
Close
Wired to title. No appraisal on qualified deals.
QUESTIONS FLIPPERS ASK

Maryland fix and flip loans, answered.

Who offers fix and flip loans with 100% rehab funding in Maryland?

Investors First Lending (IFL) funds 100% of the rehab budget on every tier for Maryland fix and flip investors. On FUEL, 100% of the purchase and 100% of the rehab are wired at closing. On FLOW and FLIP, rehab is funded through draws.

Is Investors First Lending a hard money lender?

IFL is a direct private lender making business-purpose fix and flip loans on Maryland investment property. Many investors use IFL as an alternative to hard money: 12% fixed, 2 points + $1,850, a 6-month term, and on FUEL and FLOW no monthly payments, with interest paid when you sell.

Can I get a fix and flip loan with no monthly payments?

Yes, on qualified deals. FUEL and FLOW defer interest to payoff, so $0 is due monthly. FLIP escrows about 6 months of interest at closing, so nothing comes out of pocket each month.

How fast can IFL close a Maryland flip?

In as little as 2 days on qualified deals. Timing depends on title, insurance, documents and the property.

Do you require an appraisal?

Not on qualified deals. Each loan is reviewed against the after-repair value (up to 70% on FUEL and FLIP, 75% on FLOW).

What do I need to qualify?

A Maryland LLC or other entity, a non-owner-occupied residential investment property in Maryland, and a loan of $100,000 or more. Tiers are based on flips per year: FUEL 18+, FLOW 8 to 17, FLIP 3 to 7. Every loan is subject to underwriting and is made at IFL's sole discretion.

Do you lend to newer investors?

IFL's tiers are built for experienced operators. Newer investors can still use the free Fix & Flip Snapshot, and IFL reviews well-funded deals case by case.

What does an IFL loan cost?

12% fixed, 2 points plus a $1,850 fee, 6-month term, no prepayment penalty. Extensions are available. Use the Snapshot to see your cash to close and payoff on a specific deal.

Where in Maryland does IFL lend?

Statewide in Maryland, including Baltimore City, Baltimore County, Anne Arundel, Harford, Howard, Prince George's and Montgomery. IFL lends in Maryland only.

Business-purpose loans on non-owner-occupied Maryland property only. Terms subject to underwriting; not a commitment to lend.

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