--- title: "FUEL: 100% Purchase + 100% Rehab, $0 Monthly | Maryland Flip Loans | IFL" description: "FUEL for Maryland flippers with 18+ flips a year: 100% purchase and 100% rehab wired at closing, no monthly payments, interest paid at sale. An alternative to hard money." --- [![Investors First Lending](https://www.investorsfirstlending.com/hubfs/ifl-site/ifl-logo-dark-v2.png)](https://www.investorsfirstlending.com/?hsLang=en) [888-241-FUND](tel:8882413863) [FUEL](https://www.investorsfirstlending.com/fuel?hsLang=en) [FLOW](https://www.investorsfirstlending.com/#tiers) [FLIP](https://www.investorsfirstlending.com/#tiers) [Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en) [Calculator](https://www.investorsfirstlending.com/#cash) [The Desk](https://www.investorsfirstlending.com/the-desk?hsLang=en) 18+ FLIPS A YEAR # FUEL $0 to close. $0 a month. Purchase and the full rehab budget wired to title at closing. Pay it all back when you sell. [See if my deal fits FUEL](https://www.investorsfirstlending.com/snapshot?hsLang=en) 100% **of purchase** 100% **rehab at closing** $0 **draw fees** $0 **prepay penalty** A FUEL DEAL, DOLLAR FOR DOLLAR ## Where the money goes. **PURCHASE** $200,000 100% funded **+ REHAB** $50,000 100% at closing **+ CHARGES** $6,850 2 pts + $1,850, in the loan **= LOAN** $256,850 64% of $400K ARV **WIRED TO TITLE** $250,000 **YOUR CASH TO CLOSE** $0 **MONTHLY PAYMENTS** $0 **PAID AT SALE (6 MO)** $272,261 loan + $15,411 interest Example only, not a commitment. 12% fixed, 2 points + $1,850, 6-month term; interest deferred and paid at sale. Buyer closing costs can be paid from the rehab funds, which leaves the rehab budget short by that amount. Subject to underwriting. ## FUEL vs. FLOW vs. FLIP | | FUEL | FLOW | FLIP | | --- | --- | --- | --- | | Flips per year | 18+ | 8–17 | 3–7 | | Purchase funded | 100% | Up to 100% | Up to 90% | | Rehab | 100% at closing | 100% via draws · first 3 free | 100% in 5 draws · $250 each, unused refunded | | Due monthly | $0 | $0 | None (escrowed) | | Max loan to ARV | 70% | 75% | 70% | | Cash to close (example) | $0 | $10,000 | $30,000 | | Rate · charges · term | 12% fixed · 2 points + $1,850 · 6 months, every tier | | | ## Built for operators who **✓ Exit 18+ flips a year✓ Buy through a Maryland LLC✓ Keep the best deals, assign the rest✓ Want their cash in the next deal** No monthly payments. So when do I pay? Interest is deferred. You pay the loan plus interest when you sell or refinance. Where does the rehab money go? It's wired to your title company with the purchase funds, and it can cover your closing costs. How do you confirm my tier? Tell us your flips per year in the Snapshot. We confirm your track record in underwriting. What if I need more time? Extensions are 1.5 points per 2 months. ## Keep your cash. Fuel the next flip. [Get My Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en)[888-241-FUND](tel:8882413863) ![Investors First Lending](https://www.investorsfirstlending.com/hubfs/ifl-site/ifl-logo-dark-v2.png)**Common sense lending for real estate investors.** **Loans**[FUEL](https://www.investorsfirstlending.com/fuel?hsLang=en)[FLOW](https://www.investorsfirstlending.com/#tiers)[FLIP](https://www.investorsfirstlending.com/#tiers)[Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en) **More**[The Desk](https://www.investorsfirstlending.com/the-desk?hsLang=en)[Calculator](https://www.investorsfirstlending.com/#cash)[Privacy](https://www.investorsfirstlending.com/privacy?hsLang=en)[Terms](https://www.investorsfirstlending.com/terms?hsLang=en)[Text message terms](https://www.investorsfirstlending.com/terms#sms) **The desk**[888-241-FUND](tel:8882413863)nick**@investorsfirstlending.com**57 W. Timonium Rd., Suite 105A, Timonium, MD Residential investment real estate lending for seasoned operators with Maryland-registered LLCs. Business-purpose loans on non-owner-occupied Maryland property only; not for consumer, personal or owner-occupied use. All terms subject to underwriting and approval; tier confirmed in underwriting. 12% fixed, 2 points + $1,850 fee, 6-month term. FUEL/FLOW interest deferred and paid at payoff. FLOW funds up to 100% of purchase (some deals 90–95%). FLIP: none due monthly; a payment escrow of about 6 months of interest is added to the loan; up to 100% of purchase when the loan is under 70% of ARV. Extensions: FUEL/FLOW 1.5 points per 2 months; FLIP 1 point per 2 months. 2-day close and no appraisal apply to qualified deals. Illustrations are estimates, not commitments or offers to lend. All loans are made at IFL's sole discretion. Investors First Lending is a d/b/a of MNB Holdings LLC, a Maryland limited liability company. We do not make consumer loans or loans on homes the borrower lives in. © 2026 MNB Holdings LLC. All rights reserved.​‌​‍ Snapshot™ and Deal X-Ray™ are trademarks of MNB Holdings LLC; site content, design and tools are proprietary and may not be copied, scraped or used to train AI. [Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en)[Message](https://m.me/100095278218819)[Call](tel:8882413863) ```json { "@context" : "https://schema.org", "@id" : "https://www.investorsfirstlending.com/#org", "@type" : "FinancialService", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Timonium", "addressRegion" : "MD", "postalCode" : "21093", "streetAddress" : "57 W. Timonium Rd., Suite 105A" }, "alternateName" : "IFL", "areaServed" : { "@type" : "State", "name" : "Maryland" }, "description" : "Direct private lender of business-purpose fix and flip loans in Maryland: 100% rehab funded, FUEL and FLOW with $0 monthly payments, 12% fixed, 2 points + $1,850, 6-month term.", "email" : "nick@investorsfirstlending.com", "hasOfferCatalog" : { "@type" : "OfferCatalog", "itemListElement" : [ { "@type" : "Offer", "itemOffered" : { "@type" : "LoanOrCredit", "description" : "100% purchase and 100% rehab wired at closing, interest deferred to payoff, up to 70% of ARV. For operators with 18+ flips a year.", "interestRate" : 12, "loanTerm" : { "@type" : "QuantitativeValue", "unitCode" : "MON", "value" : 6 }, "name" : "FUEL" } }, { "@type" : "Offer", "itemOffered" : { "@type" : "LoanOrCredit", "description" : "Up to 100% purchase, rehab via draws (first 3 free), $0 monthly, up to 75% of ARV. 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