Flip & Hold

Name: Flip & Hold
Address: 681 Broadway #188, North Attleboro, MA, 02767, US
Telephone: +15083869641

Real Estate Made Easy. Helping Real Estate Investors with Fix & Flip Loans, Cash Offers & Construction Funding, and Passive Investing

06/24/2026

What is loan to value and why does it matter for hard money borrowers?

Loan to value (LTV) is the percentage of a property's value that a lender is willing to finance.
It's the single number that decides how fast and how smoothly your hard money loan gets approved.

Here's how it works:
→ If a property's after repair value is $400,000 and a lender offers 70% LTV, they'll lend up to $280,000.
→ The lower your LTV, the lower the lender's risk, and the faster your approval typically moves.
→ Most hard money lenders in New England cap LTV around 70 to 75%. Seasoned borrowers with a track record can sometimes secure higher.

Why does this matter so much?
Because your LTV determines how much money you need to bring to the table, and whether the deal protects the lender's capital if something goes wrong.

A deal with a low LTV gives everyone room to breathe. A deal with a high LTV leaves no margin for error. Know your LTV before you ever submit an application.

At Flip & Hold, we lend up to 75%+ depending on the deal, across our entire New England lending footprint, with flexibility for repeat borrowers with a proven track record.

📩 DM us "LTV" to talk about your next deal.

06/22/2026

What is a soft credit pull and why do hard money lenders use it?

Most borrowers assume any credit check will hurt their score.
That's not how it works with hard money lending.

Here's what actually happens when a lender like us looks at your credit, and why it matters.
Swipe through. 👉

06/19/2026

Happy Flip And Hold Friday!

What is the difference between a local hard money lender and an out of state lender in New England?

More than most investors realize until something goes wrong.

If you're investing in Massachusetts, Rhode Island, or Connecticut, the lender you choose should know these markets as well as you do.

Here's why that matters more than rate.
Swipe through. 👉

06/17/2026

What does an overlooked multi-family deal in New England actually look like?
It looks like a four unit property listed on Loopnet under a commercial category, that almost every residential investor scrolled right past.

Our borrower didn't.
He drove by. Saw the residential opportunity everyone else missed. Made the call.
Worked the deal. And the seller's biggest requirement?
Close fast. That's exactly what we did.

Here's what the property had:
✅ Two three-bedroom units
✅ One two-bedroom unit
✅ Commercial storefront tenant in place since the 90s
✅ A seller who needed speed, not the highest number

Two units fully rehabbed. New roof.
Exterior work completed. Rents increased to market rate.

Both loans in the package refinanced the same day.
Our borrower walked away with capital back, ready for the next deal.

This is what finding deals in New England actually looks like in 2026.
Not waiting for the perfect listing.
Not fighting over the same on-market inventory.
Driving by. Making the call. Moving fast.
And having a capital partner who can close when it counts.

🎥 Full site visit on our YouTube.

06/15/2026

Why are real estate investors paying attention to Worcester County multi-family properties in 2026?

Because while everyone was fighting over Eastern Massachusetts prices, Worcester quietly became one of the most compelling multi-family markets in New England.

Here's what the data and the streets are saying:
→ Entry points are still reasonable. Comparable multi-family inventory in Eastern MA costs significantly more for the same unit count and cash flow potential.
→ Rental demand is strong and growing. Worcester is home to a large university and hospital employment base, two of the most reliable tenant pools in any market.
→ The city is actively investing in itself. Downtown Worcester has seen significant infrastructure and commercial investment over the last five years. That momentum doesn't stop.
→ Inventory exists. Unlike coastal markets where multi-family stock is nearly impossible to find on a workable basis, Worcester County still has aging inventory that pencils for value-add investors.
→ Competition from experienced investors is still lower than you'd find in Boston suburbs or Providence.

For buy and hold investors in New England, the question isn't whether Worcester County makes sense. The question is how much longer it stays this overlooked.

At Flip & Hold, we fund multi-family deals across Massachusetts including Worcester County. We've seen this market from the inside and the numbers are telling a clear story.

The smart money is already here.
The rest will figure it out soon.

📩 DM us "WORCESTER" to talk about funding your next multi-family deal in Worcester County.

06/12/2026

Happy Flip And Hold Friday!

What is a term sheet in hard money lending?
A term sheet is a document outlining the proposed terms of your loan, interest rate, points, loan amount, and timeline.
Every hard money lender has one.

But here's what a term sheet doesn't tell you:
→ Will they pick up the phone when your draw needs to move fast?
→ Will they fight for you when an inspection comes in low?
→ Will they work with you when your timeline shifts?
→ Will they know your file, or just your loan number?

That's the promise. And it's not written anywhere.
The best hard money lenders in New England aren't just competitive on rate and terms.
They show up. They communicate. They solve problems.

Before you sign with any hard money lender, ask yourself:
What do their existing borrowers say when nobody's listening?

A term sheet tells you the cost of the money.
The promise tells you the value of the partner.

At Flip & Hold, we've funded deals across Massachusetts, Rhode Island, and Connecticut since 2014. Zero defaults. Zero missed investor payments. Every borrower has our direct line.

That's not a term sheet.
That's a track record.

Follow to learn more about hard money lending in New England.

06/10/2026

What is an off market multi-family deal, and how do you execute one with tenants still inside?

Here's exactly how our borrower did it in Southern New England.
✅ Found a six unit building off market
✅ Put it under contract 10 months before closing
✅ Built a relationship with the seller over time
✅ Came in with capital, fixed common areas first
✅ Increased rents with documented capital improvements
✅ Tenants who wouldn't pay market rate moved out naturally
✅ Rehabbed vacant units fully, got market rate tenants in
✅ Kept cash flow coming from existing tenants throughout
✅ Refinanced today, walked away with capital back

That's not a lucky deal.
That's a patient, disciplined, relationship-driven strategy executed by an experienced investor with the right capital partner behind him.

At Flip & Hold, we funded this deal from day one. Hard money that moved fast so Juan could move first.

This is what multi-family investing in New England actually looks like when it's done right.
Off market. Occupied. Stabilized. Cash flowing.
Now he's onto the next one. And we're going with him.

🎥 Full site visit on our YouTube.

06/09/2026

Out of state investors aren't at a disadvantage because of distance.
They're at a disadvantage because of assumption.

Assuming the market works like home.
Assuming the contractors are the same. Assuming the comps translate.
They don't.

Here's what local knowledge actually protects you from.
Swipe through. 👉

06/05/2026

Happy Flip And Hold Friday!

We all look for signs from time to time.

Sometimes it's a billboard.
Sometimes it's a conversation.
Sometimes it's a deal sitting right in front of you.

The hardest part isn't finding opportunities.
It's recognizing them before everyone else does.

🏡 Keep looking.
📈 Keep learning.
🚪 Keep making offers.

You never know which property could change your trajectory.

👉 Looking for funding on your next deal?
Visit Flip & Hold Funding and see how we help investors move with confidence.

06/03/2026

Two strategies. Same market. Very different math.
New construction and renovation flips both work in New England.

But in 2026, they don't work the same way.

Which one pencils better right now?
Swipe for the honest answer. 👉

Address

681 Broadway #188
North Attleboro, MA
02767

Telephone

+15083869641

Website

https://flipandholdfunding.com/

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