100% Financing: Is It Possible for Real Estate Investors?

March 20, 2025

Maintain Your Security

For real estate investors, securing the right financing is often the most critical step in successfully purchasing and renovating a property. Traditional banks and mortgage lenders typically require significant down payments, making it difficult for investors to scale their portfolios quickly. However, with the right lender, 100% financing is possible, providing investors with the ability to purchase and rehab properties without tying up their own capital.


Understanding 100% Financing in Real Estate Investing

100% financing, also known as full purchase and rehab funding, means that an investor can secure a loan that covers the entire cost of acquiring and improving a property. Instead of requiring a traditional 20% or more down payment, these loans enable investors to leverage financing to maximize returns while keeping their personal funds available for other investments.


This financing structure is particularly beneficial for fix-and-flip investors, rental property buyers, and those looking to expand their real estate holdings quickly. By minimizing upfront costs, investors can take on more projects simultaneously and scale their portfolios faster.

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How 100% Financing Works

Unlike conventional mortgage loans, which focus on borrower creditworthiness and income, 100% financing for real estate investors is typically structured around the value of the investment property itself. Lenders offering this type of loan evaluate:


  • After Repair Value (ARV) – The estimated value of the property after renovations are completed.
  • Rehab Budget – A detailed breakdown of repair costs to ensure the property’s post-renovation value justifies the investment.
  • Experience Level – While first-time investors can qualify, lenders may offer better terms to those with a track record of successful deals.
  • Loan-to-Value (LTV) Ratios – Rather than requiring cash upfront, lenders may base financing on a combination of the property’s purchase price and its expected resale value.
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Who Qualifies for 100% Financing?

Many lenders require borrowers to meet specific criteria to qualify for 100% financing on non-owner-occupied investment properties. Key qualifications often include:


  • A minimum credit score of 650 (some lenders may have flexibility based on the deal structure).
  • Experience in real estate investing (though some programs accept first-time investors).
  • A viable exit strategy (such as selling the property for a profit or refinancing into a long-term rental loan).
  • A strong business plan that demonstrates the investor’s ability to manage the project successfully.



Benefits of 100% Financing for Investors

  1. No Large Upfront Capital Requirement – Investors can leverage lender funds rather than tying up personal cash in down payments.
  2. Faster Portfolio Growth – Without financial constraints, investors can take on multiple properties simultaneously.
  3. Improved ROI – The ability to finance both purchase and rehab costs means greater profit margins when properties sell or rent at higher values.
  4. Flexible Loan Terms – Many lenders offer stated income loans, fix-and-flip loans, and bridge loans to cater to different investment strategies.
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The Role of Re Funding Source in Providing 100% Financing

At Re Funding Source, we specialize in fast, creative lending solutions that allow real estate investors to close deals in just 2-3 days. Our 100% financing program is available for non-owner-occupied properties, ensuring that both new and experienced investors can access the capital needed to grow their real estate businesses.



  • Loan amounts range from $50,000 to $2 million
  • Rates starting under 5%
  • No payments for six months
  • Minimal documentation with a stated income option
  • Available in most states (excluding Alaska, Nevada, North Dakota, South Dakota, Minnesota, Vermont, Illinois, New York, California, and North Carolina)
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How to Secure 100% Financing with Re Funding Source

Applying for 100% financing is straightforward with Re Funding Source. Investors can start the process by:


  1. Submitting a loan application online or via phone.
  2. Providing basic details about the investment property.
  3. Outlining their investment strategy and exit plan.
  4. Receiving an approval decision in as little as 24 hours.
  5. Closing the loan and securing funding within days.


For real estate investors looking to expand their portfolios without depleting their cash reserves, 100% financing presents an excellent opportunity. With the right lender, securing full purchase and rehab funding is not only possible but also a strategic way to maximize investment returns.


At Re Funding Source, we are committed to providing fast, flexible, and hassle-free financing options that help investors move quickly on opportunities and scale their real estate businesses. If you’re ready to secure 100% financing for your next property, contact us today to get started!

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