Speed is the one thing you can’t manufacture in real estate. A good deal has a shelf life, and if your financing isn’t ready when the opportunity is, someone else closes it. That’s the reality DFW investors deal with every day, and it’s exactly the problem HiFi Hard Money was built to solve.
We’ve been funding fix and flip projects across Dallas-Fort Worth since 2015, and the core of what we do hasn’t changed: close fast, keep costs low, and be straight with you about every dollar involved.
What “Fast” Actually Looks Like in Practice
Speed is a word every lender throws around. Here’s what it means at HiFi.
Closings in Days, Not Weeks
For new investors working with us for the first time, we typically quote five business days to close. If you’ve flipped with us before and have an updated profile on file, that timeline shrinks to as few as three business days. That’s not a promise we bury in fine print. It’s the standard we hold ourselves to because we know timing can be the difference between a profitable flip and a missed opportunity.
The application itself takes minutes. You can start online right now, whether you’re a first timer or coming back through our Express Lane.
Draw Turnarounds That Keep Rehabs Moving
Stalled draws stall projects. We handle draw requests with a same-day or next-day turnaround, which keeps your contractors paid and your timeline on track. Our process is straightforward: one physical inspection at around the 40 to 50 percent completion mark, with photos and videos sufficient the rest of the time. Both the inspection and wire fees are deferred until you sell, so you’re not bleeding cash while the work is still underway.
Financing Structured Around the Deal
Our fix-and-flip loans are designed to cover purchase and rehab costs with as little money down as possible. We lend up to 75% of the After Repaired Value, and fees, interim interest, and most upfront costs are typically deferred until exit. That structure keeps your capital working on the project rather than sitting tied up in loan costs from day one.
We focus on non-owner-occupied single-family homes in and around the DFW area. Every loan is custom-built, because no two projects are the same.
Transparency Isn’t a Tagline Here
One thing that separates us from a lot of lenders is how we handle fees. The appraisal cost is what we pay. The doc prep cost is what we pay. We do not add administrative fees or underwriting markups on top of that. You see exactly what things cost because that’s how we’d want to be treated if the roles were reversed.
We also share honest feedback on deals. We’ve worked through thousands of projects, and if we see something that concerns us, we’ll tell you before you’re committed, not after. That kind of candor is something our investors rely on, especially earlier in their careers when the learning curve is steepest.
If you’re ready to talk through a deal or want to see what a loan structure might look like for your next project, reach out directly. Contact us at (972) 630-6676 or email info@hifihardmoney.com. A real person will get back to you.
FAQs
How fast can HiFi Hard Money close a fix-and-flip loan?
New investors typically close in five business days. Returning investors with an updated profile can close in as few as three business days.
What property types does HiFi fund?
We focus on non-owner-occupied single-family homes in and around the Dallas-Fort Worth area. Multi-family and commercial properties are also considered under certain structures.
What does HiFi include in its loan costs?
We are transparent about every cost. Appraisal and doc prep fees reflect exactly what we pay. There are no administrative or underwriting fees added on top.
How do draw requests work during a rehab?
We process draw requests with a same-day or next-day turnaround. One physical inspection typically happens at the 40 to 50 percent completion mark. Photos and videos are sufficient for other stages. Inspection and wire fees are deferred until you sell.
