We currently lend in Arizona, California, Colorado, Texas, Utah, Washington and Oregon.

Please refer to the Loan Program or contact us for more details

Orchard Funding lends on non-owner occupied investment properties. Some of these transactions include:

  • Trustee sales
  • REO’s
  • Short Sales
  • Refinance
  • Single family homes
  • Condos, townhouses, etc

Down payment requirements vary depending on the borrower, property and property values. We offer down payment requirements as low as 10% to qualified borrowers and 100% financing is possible through cross-collateralization with other qualifying properties. Please reference the Loan Program page for more information.

Yes, please refer to the Loan Program page for more information.

No, however we do generally require a minimum of 60 days of interest.

We can close in as little as 24 hours. However, we request at least 3-5 business days to allow ample time to process the loan.

Depending on the area, we will lend up to $3,000,000.

Generally 6-12 months depending on the project.

Yes, we require hazard insurance with vacancy and vandalism coverage in an amount that covers the loan amount, at a minimum. We can provide a list of insurance companies upon request.

Yes, please contact us directly to obtain a Pre-Qualification Form or “Proof of Funds” letter.

We hold the improvement money in an escrow account and disburse funds out of the account with proper invoices and receipts based on work that is in the budget and completed at the project per inspection. Also, we are one of the very few fix-and-flip lenders who allow advances for materials. This is the short answer, but more detailed instructions will be provided to you at the time of application and at your loan closing. We have a knowledgeable and experienced draw department to assist you after closing as well.

Although Orchard Funding primarily focuses on fix and flip loans, it will consider lending on certain rental properties.

This is not our primary focus, but certain loans on commercial properties will be considered.

Apply for a loan by clicking here.