Fast, Flexible Financing for Property Flippers in Baltimore, Columbus & Towson
For experienced real estate investors, time is your most valuable asset. The real estate markets across the Mid-Atlantic and Midwest move fast, and you need a financial partner who can move faster. We provide agile, in-house fix and flip loans designed specifically for the unique demands of your local investment landscape.
From historic rowhouse restorations in Baltimore’s revitalized neighborhoods to infill projects in Columbus’s thriving urban core and high-end modernizations in Towson’s established suburbs, our tailored financing and streamlined process empower you to rehab with confidence and speed.
LOAN HIGHLIGHTS
Fix and Flip Loan
Term
6 to 30 Months
Loan Amount
$200K to $5M+
LTC
Up to 95%
Cost Breakdown
Up to 92.5% of Purchase
& 100% of Rehab
Property Types
Non-Owner Occupied
SFR, Condo, Townhome, 2–4 Plex
Multifamily Up to 9 Units
ADU Conversions Okay
Power Your Next Project with Speed and Certainty
Fix-and-flip projects demand speed, flexibility, and reliable capital. Our Fix & Flip Loan is built for experienced real estate investors ready to turn distressed properties or outdated homes into profitable residential assets. With competitive terms, strong leverage, and financing tailored to a wide range of property types, we deliver the certainty and resources you need to bring your vision to life.
From gut renovations and light remodels to historic home modernizations and portfolio flips, our Fix & Flip Loan provides the capital structure and confidence to take your project from acquisition to resale, on time and on budget.
WHY ARCHWEST
The Archwest Difference: A Lender Built for Fix & Flip Investors
At Archwest Capital, we understand that your project’s success hinges on rapid, reliable financing. We are not a traditional bank; our lending approach is built on a deep understanding of investment real estate and the need for a lender who understands your business. Our loan programs are crafted for efficiency and flexibility, ensuring you have the capital you need precisely when you need it.
Term Sheet Within 24 Hours
Closings in Under 7 Days
Interest on Drawn Amounts Only
100% of Rehab Funding Available
Questions about financing your project in Central Maryland?
Our experts are here to help! Connect with our Central Maryland’s relationship manager today on terms, eligibility, timelines, and next steps.
Nathan Chung, Account Executive
BALTIMORE MARKET
Your Investment Partner: Local Market Insights
More than just a provider of capital, we are your partner with unparalleled local market knowledge. Our team closely monitors the trends and opportunities unique to Baltimore, Columbus, and Towson, empowering you to make data-driven investment decisions.
Specializing in High-Demand Markets
We specialize in financing projects in the neighborhoods where real estate investors are finding the greatest success.
- Baltimore: This city is a hotspot for historic rowhouse restorations and urban revitalization projects in areas like Canton and Federal Hill. The high demand for modern living in historic spaces has led to significant property value appreciation. We have the expertise to value and fund these nuanced projects, helping you tap into this high-growth market.
- Columbus: As a steady and reliable market with a stable feel, neighborhoods like Clintonville are a highly competitive area for family-friendly flips. Our agile process ensures you can secure your financing and get to work quickly, positioning you for success in this consistently strong market.
- Towson & Beyond: From high-end modernizations in established suburbs to new single-family builds on up-and-coming streets, our financing solutions are tailored to the wide range of opportunities in Towson and the surrounding areas, which are attracting significant new investment and renewed interest.
Benefits in the Baltimore Metro Market
| Benefits | Why It Matters Here |
|---|---|
| Up to 90% LTC | Buy more with less out of pocket |
| 100% Rehab Financing | Complete your full scope without using your own cash |
| Fast Approvals | Close quickly in competitive neighborhoods |
| Ideal for Value Add Deals | Perfect for older Maryland homes with strong resale upside |
| Local Support | Maryland based insights to guide you deal-by-deal |
What Our Partners Say
Archwest is the best lender to the best flippers. We help clients execute with speed and maximize returns.
How It Works
Apply Online
We assess your plans and track record to ensure a strong market fit.
Get Approved Fast
Detailed review of budget, scope, and exit strategy with appraisals based on completed value.
Close & Fund
Interest-only payments during construction; underwriting focused on project strength.
Renovate & Sell (or Refi)
Fix the property and exit through sale or transition into a DSCR rental loan.
FAQ
Frequently Asked
Questions
Answers to common questions about working with Archwest Capital
How does a fix and flip loan work?
A Fix & Flip Loan is a short-term financing solution designed for real estate investors looking to purchase, renovate, and resell properties quickly. These loans cover both acquisition and renovation costs, providing the capital needed until the property is sold.
What credit score do I need for a fix and flip loan?
Archwest generally requires a minimum average FICO score of 680 for loan eligibility. Alongside credit, Archwest also weighs the strength of the deal and the investor’s track record, rather than relying solely on personal income documentation the way traditional bank financing does.
How long does it take to close on a fix and flip loan?
Closings can happen in as little as 7 days with Archwest. Timelines may vary based on borrower qualifications, property details, and market conditions.
Do I need real estate investing experience to qualify?
Yes, Archwest typically works with experienced investors who have completed at least one project within the past 36 months. Experience requirements vary by loan product, so reach out to discuss eligibility based on your investment background.
How do I start my loan application process?
You can request a quote through our website Get an Estimate and someone will get back to you as quickly as possible.
Nationwide Lender with Local Expertise
County: Baltimore City (independent city), Baltimore, Howard, Anne Arundel, Harford, Carroll
Cities: Baltimore, Columbia, Towson, Catonsville, Ellicott City, Owings Mills, Pikesville, Randallstown, Parkville, Lutherville-Timonium, Cockeysville, Hunt Valley, White Marsh, Dundalk, Essex, Middle River, Rosedale, Perry Hall, Nottingham, Glen Burnie, Pasadena, Severna Park, Laurel, Annapolis, Bel Air, Aberdeen, Westminster
Recently Funded
Ready to Flip in Baltimore-Columbia-Towson?
From Baltimore to Towson, Catonsville to Ellicott City, Baltimore Metro offers value-add opportunities for experienced investors who move fast. With Archwest, you’ll get funding that matches your hustle.