Banks Say No. We Find the Yes
We match fix-and-flip investors, landlords, and builders with the right lender through our lending network, and pair your funding with a tax-advantaged Solo 401(k).
- •$100K-$3M loan amounts
- •Up to 90% LTV, 100% rehab
- •10-17 day funding
- •$100K-$3M loan amounts
- •No income verification
- •~3 week funding
- •$200K-$4M loan amounts
- •Up to 90% LTC
- •10+ day funding
Tap or hover a card to see full program details.
Survival 401k is not a lender or mortgage broker. We connect you with our network of third-party lenders. Loan terms vary by lender and borrower profile.
Our Financing Programs
Three focused real estate loan programs, matched to your deal, funded quickly.
- Loan amounts: $50K - $2M
- Purchase: up to 90% LTV + up to 100% of rehab costs
- Not to exceed 75% of After Repair Value (ARV)
- Rates starting at 8.25% (interest-only on outstanding balance)
- 12-month term
- Loan amounts: $100K - $3M
- 30-year term · rates 9% - 12%
- No income or asset verification
- SFR, 2-4 units, multifamily, mixed-use, commercial
- Max LTV: 75% residential / 70% commercial
- Loan amounts: $200K - $4M
- Residential only
- Term: 12 - 24 months
- Rates: 9% - 11% interest-only
- Land: up to 75% LTV · Construction: up to 90% LTC
Representative terms from our lending network - your actual rate, LTV, and timeline depend on the lender and your deal.
Fix & Flip
Purchase + rehab financing for property flippers
Purpose-built financing for new and experienced flippers. Cover both acquisition and rehab in one loan with fast approvals, interest-only payments, and a clear draw structure, so you can move on the deal and get the project underway without waiting on a bank. Prior real estate investing experience is not required, but affects leverage and pricing.
- Loan amounts: $50K - $2M
- Purchase: up to 90% LTV + up to 100% of rehab costs
- Not to exceed 75% of After Repair Value (ARV)
- Rates starting at 8.25% (interest-only on outstanding balance)
- 12-month term
- Origination fees: 1.5 - 3 points
- Income verification: account balance for down payment only; no traditional income verification
- Collateral: non-owner occupied 1-4 family, condos, townhomes
- As-is appraised value must exceed $50K
- 650+ credit; tiers: New 10.49%+, Intermediate 8.75%+, Experienced 8.25%+
- Funding in 10 - 17 days
Complete and return the application to ross.powell@survival401k.com and we will review it for completeness and submit to our network of lenders.
Alternative Long-Term
30-year investment loans, no income docs
Long-term financing for investment properties without the paperwork of a conventional loan. No income or asset verification, qualification is driven by the property and your credit profile. Ideal for buy-and-hold investors scaling residential or commercial portfolios.
- Loan amounts: $100K - $3M
- 30-year term · rates 9% - 12%
- No income or asset verification
- SFR, 2-4 units, multifamily, mixed-use, commercial
- Max LTV: 75% residential / 70% commercial
- Funds in approximately 3 weeks
- 650+ credit: maximum program LTV (75% residential / 70% commercial).
- 600-649 credit: maximum 60% LTV.
- Any credit: 50% LTV available.
Complete and return the application to ross.powell@survival401k.com and we will review it for completeness and submit to our network of lenders.
Ground-Up Construction
Residential construction financing, no experience required
Construction financing for residential ground-up projects in urban and suburban markets nationwide. Cover both land and construction with interest-only payments and no prepayment penalty, so you can build and exit on your own timeline.
- Loan amounts: $200K - $4M
- Residential only
- Term: 12 - 24 months
- Rates: 9% - 11% interest-only
- Land: up to 75% LTV · Construction: up to 90% LTC
- Max ARV: 70%
- 640+ credit · No prepayment penalty
Complete and return the application to ross.powell@survival401k.com and we will review it for completeness and submit to our network of lenders.
Program Comparison
Find the right financing solution for your specific project.
Fix & Flip
Alternative Long-Term
Ground-Up Construction
While Your Deal Funds, Shelter Your Income.
A Solo 401(k) can hold real estate and is generally exempt from UDFI/UBIT on leveraged property under IRC §514(c)(9). For active investors, that means up to $72,000 (2026) of commission or flip income can be sheltered from taxes inside a retirement account built for your deal flow.
Leverage Your Retirement Plan with Non-Recourse Financing
Once your Solo 401(k) or Self-Directed IRA is in place, you can borrow against it to buy investment real estate. Only the plan's assets secure the loan, you never personally guarantee it.
- Eligible Borrowers
- Self-Directed 401(k) LLCs, 401(k) Trusts, and Self-Directed IRAs
- Eligible Collateral
- 1-4 family residential properties
- Loan Size
- $100,000 to $750,000
- Advance Rate
- up to 70% LTV
- Term
- up to 30-year fully amortizing
- Products
- 3/1 and 5/1 ARMs
- Pricing
- U.S. Treasury index + margin (currently Treasury + 4.0%)
- Origination Fee
- 1.00% - 1.50%
Program terms provided by our non-recourse lending partner. Subject to underwriting, appraisal, and property eligibility.
Looking for a Real Estate Funding Partner?
Whether you're an investor seeking quick fix-and-flip financing or building a long-term rental portfolio, we're here to guide the funding process - clearly, efficiently, and responsibly.
- No upfront fees
- Fast closings
- Flexible loan structures
- Residential & commercial
- Investors & operators welcome
- Most deals reviewed within 24–48 hours.