100% Financing for your Flip, ZERO Down Payment Requirement!

Real Estate Renovation equates to

For Real Estate Investors, access to a reliable, fast and proven financing source is critical. ICF’s Renovation loan program is designed to meet the borrowers need to purchase and rehab a property quickly, cutting through the red tape of traditional financing methods.

ICF’s Hard Money Renovation Loans are designed for investment properties (Single Family – Non Owner Occupied, Multi-Family and Commercial) in need of improvement to enhance the value, which will be sold or held as a rental property for the Investor.

Our Hard Money loans allow for the purchase price, closing costs, loan fees, etc., to be rolled into the loan up to the maximum loan of 70% of After Repair Value. Combined with our No Down Payment requirement, leaving you with valuable operating capital to complete your project.

We provide Hard Money Renovation Loans regionally throughout Colorado,  Nebraska  (Omaha & Suburbs), Missouri  (Kansas City & Suburbs), and Kansas  (Kansas City & Suburbs).

Rehab funding for real estate investors in Colorado, Kansas, Missouri and Omaha

While we realize every borrower and transaction are unique,
the following is an overview of our general parameters

General Guidelines:

Commercial Purpose – Non-Owner Occupied
Loan to Value – Up to 70% of After Repair Value
Down Payment – NONE – 100% Financing to 70% ARV
Term – 9 Months to 12 Months
Extensions Available – YES
Payments – Monthly Interest Only

Credit Score Minimum – Not FICO Based
Pre-Pay Penalty – NONE
Interest Rate – 13% to 15%
Origination – 2% to 4%
Properties – Single Family, Multi Family & Mixed Use
Vesting – Entity or Corporate Structure


Do you lend on OWNER OCCUPIED properties?

No, ICF is a commerical purpose lender. Owner Occupied properties are considered consumer purpose and for those we recommend you seek conventional financing through traditional lenders.

What types of properties will you lend on?

Residential Stand Alone Single Family (non-owner occupied), Multi-Family and Mixed Use Commercial, properties in any condition.

Are there prepayment penalties?

No. You only pay interest for the term you have the loan. The faster you fix the property up and sell or refinance it, the more profit you will earn. Real estate investors should never pay pre-payment penalties!

Will you lend in 2nd Lien position

No, ICF will only lend in 1st Lien position. We do allow for seconds from other sources.

How fast can you close?

Normal turn times range from 7 -10 business days after we receive the full property submission packet. Being pre-approved can save you valuable time in the process.

How will you value the property?

ICF will conduct a valuation of the property based on the scope of improvements you will be making to determine the After Repair Value (ARV) of the property.

What if the property doesn't need any repairs?

Our Bridge Loan fits that model. ICF will loan based off the appraised value, versus the purchase price. So, if you are buying the property at a big enough discount, you can get it with No Money Down.

I interviewed a bunch of Hard Money lenders, and immediately noticed a difference in talking with them, they cared about me and my business and not just a quick deal. I used them for my very first deal and they were great. Will be using them for all my projects.
Becky S.

Ready to Submit your deal?

It’s as easy as 1, 2, 3….

Step 1 – Contact us to review the overall project.

Step 2 – Complete the form and click “submit. The loan submission pack will be sent to your inbox.

Step 3 – Submit the loan package and we take it from there.