Rehab Financing for Your Fix and Flip
Compare construction loans, hard money, cash, and HELOCs. Sean Bailey breaks down which option is best for your deal.
Financing Options Compared
Construction Loans: 7-8% interest, 2-3 weeks to approve. Best for major renovations with time to wait.
Hard Money: 10-15% interest, 3-7 days. Best for competitive deals where speed wins.
HELOC: 7-9% variable. Cheapest option if you own a home with equity.
Cash: No interest. Strongest negotiating position but ties up capital.
Which One Costs Less?
For a $100K project over 6 months: HELOC (~$3,500) wins, construction loan (~$4,000) is second, hard money ($10,500+) is most expensive.
Need Rehab Financing?
Sean has relationships with construction lenders, hard money providers, and can help you find the best fit.
Email Sean
Sean Bailey
Licensed Mortgage Broker · Founder, The Lending Lab
Sean has funded $100M+ in loans across all income types. He specializes in fix-and-flip financing, bank statement mortgages, HELOCs, and creative solutions for investors and self-employed borrowers.
Sean@thelendinglab.com · (678) 231-2462 · www.thelendinglab.com