When you’re flipping houses in Dallas-Fort Worth, every dollar you save upfront goes straight into your rehab budget or your pocket. That’s why we built HiFi Hard Money around a simple idea: defer the typical loan costs until your property sells. We call it zero upfront fees, and it’s changed how investors in DFW fund their flips.
Most hard money lenders ask you to pay points, appraisal fees, doc prep, and the first month’s interest before you ever break ground. We don’t. We defer all of it until you sell. That means more capital available when you need it most, during acquisition and renovation.
What Zero Upfront Fees Really Means for Your Fix and Flip Project
Zero upfront fees aren’t a marketing gimmick. It’s our core program structure for fix and flip loans across major markets in Texas, including Dallas, Fort Worth, Austin, San Antonio, and Houston.
Here’s what we defer until you exit the property:
- Points on the loan
- Third-party costs like appraisal and loan documentation
- First month’s prorated interest
- Wire fees and inspection fees
- Extension fees if your timeline shifts
You read that right. We charge $200 for a physical inspection and $35 per wire, but you won’t pay those until closing. The appraisal cost is what we pay. The doc prep cost is what we pay. We don’t add administrative fees or underwriting fees on top.
Who This Program Fits Best
We work with real estate investors flipping single-family homes in DFW and other major Texas markets. If you’re new to flipping, this structure lets you preserve cash for unexpected rehab costs or holding expenses. If you’re a returning investor scaling your business, you can fund more projects simultaneously without tying up capital in loan fees.
We don’t finance condos. We’ll consider small multifamily properties, but they’re unlikely in today’s environment. Our sweet spot is single-family residential flips where you’re buying, renovating, and selling within months.
The Process From Application to Funding
New to HiFi? We can close your fix-and-flip loan in five business days. That’s one full week from application to funded deal. Returning investors who’ve worked with us before can close in as little as three business days through our Express Lane.
You apply online. We review your project and give you honest feedback, even during off-hours. Most clients have direct cell access to our team because timing matters in competitive markets. Once approved, we fund up to 75% of your after-repaired value. Some projects qualify for 65% to 75%, depending on the deal specifics.
Our draw process is simple. We prefer a one-page scope of work. Typically, we do just one physical inspection around 40% to 50% completion. After that, photos and videos work fine for draw requests. Turnaround is the same day or the next day in most cases.
What You Get Working With HiFi Hard Money
You get transparency. We’ve been funding flips in Texas since 2015, and we’ve seen thousands of projects. We’ll share cautionary insights or optimistic projections based on real data, not broker hype.
You get speed. When you’re competing against cash buyers or trying to win at auction, a five-day close is the difference between landing the deal and losing it.
You get flexibility. Each loan is custom-built for your project and strategy. We’re not a one-size-fits-all shop.
Planning Your First Flip With Deferred Costs
Before you apply, have your property details ready. Know your purchase price, estimated rehab budget, and ARV. We lend throughout major markets in Texas, but we don’t finance rural projects outside DFW, Austin, San Antonio, and Houston metro areas.
Understand your breakeven point. Flips don’t generate income during holding, so delays increase carrying costs. Coordinating with contractors and title companies keeps you on schedule and protects your profit margin.
If you’re uncertain about a deal, call us at (972) 630-6676. A real human being will walk you through whether the numbers work.
Your Next Steps
Zero upfront fees give you more financial flexibility during the flip itself. You’re not bleeding capital on day one. You’re deploying it where it matters, into acquisition and renovation that drive your ROI.
We’re here to help you close quickly, reduce upfront costs, and grow your investment business with confidence. If you’re ready to fund your next flip in Dallas-Fort Worth or another major Texas market, apply online today. New investors start here. Returning investors can use our Express Lane.
FAQs
Do I really pay nothing upfront?
We defer points, third-party fees, first month’s interest, wire fees, inspection fees, and extension fees until you sell the property. This minimizes your upfront and carrying costs so you can manage your project more effectively.
What properties do you finance in Dallas-Fort Worth?
We finance single-family homes in major Texas markets, including DFW, Austin, San Antonio, and Houston. We don’t finance condos. Small multifamily is considered but unlikely in the current environment. We don’t lend for rural projects.
How fast can you close my fix-and-flip loan?
New investors close in five business days. Returning investors who’ve worked with HiFi before can close in as little as three business days through our Express Lane process.
What’s the maximum loan-to-value you offer?
We lend up to 75% of the after-repaired value on qualifying projects. Some deals may range from 65% to 75%, depending on property specifics and investor experience.
