Loan Programs

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Traditional Fix & Flip

With our Fix & Flip program, we fund the property acquisition as well as the approved construction budget. Unlike most lenders, we will actually fund the construction amount at closing and hold the funds in escrow so that you can be comfortable and sure that the funds are available for you when you need them.


When it comes to flipping properties, the traditional bank route can be slow and difficult, if not impossible.  With Gemini Funding, we focus primarily on the collateral so we are able to make quick decisions to finance your hard money loan.

With our Fix & Flip program, we fund the property acquisition as well as  the approved construction budget. Unlike most lenders, we will actually fund the construction amount at closing and hold the funds in escrow so that you can be comfortable and sure that the funds are  available for you when you need them.

Our streamlined draw request process will ensure that you receive the funds when needed over the course of the renovation project.

Loan Requirements:

  • LLC, Partnership or Corporation in good standing. Sorry, no loans to individuals
  • Maximum Loan to value (LTV) of 65% ARV(After Repair Value)
  • Construction funding up to 100% of cost subject to 65% Loan to Value.
  • Personal Guarantee from majority stakeholders in borrowing entity

Loan Terms:

  • 12% – 14% Interest Rate, Monthly Interest Only Payments
  • 2% – 4% points up-front
  • Minimum down payment 10% to 20% as determined on a case by case basis
  • TBD Loan Application Fee
  • $150 – $200 Draw Inspection Fee
  • 12 Month maturity
  • Loan size: $100,000 to $1 million

Gemini Flex – Flex & Flip

The Gemini Flex Loan give you the option of choosing a marginally higher interest rate in exchange for the accommodation of deferring interest payments until you pay off the loan. In addition, you may defer a portion of the up-front points to loan maturity as well.


At Gemini Funding we understand the significance of negative cash flow on your business.  The funds that are typically used for monthly interest payments may be better used to pay contractors or purchase materials to further accelerate the renovations on you project.  That is why we created our Flex and Flip Loan which is only available to our more experience borrowers.

The Gemini Flex Loan give you the option of choosing a marginally higher interest rate in exchange for the accommodation of deferring interest payments until you pay off the loan.  In addition, you may defer a portion of the up-front points to loan maturity as well.

This loan is only available to experienced borrowers who have completed at least 2 traditional loans with Gemini.

Loan Requirements:

  • LLC, Partnership or Corporation in good standing. We do not make loans to individuals
  • Maximum LTV of 65% (After Repair Value)
  • Construction funding up to 100% of cost subject to 65% LTV
  • Personal Guaranty from majority stakeholders in borrowing entity

Loan Terms:

  • 13% – 15% Interest Rate, Monthly Interest Only Payments
  • 2% – 5% points up-front
  • Minimum down payment 10% to 20% as determined on a case by case basis
  • TBD Loan Application Fee
  • $150 – $200 Draw Inspection Fee
  • 12 Month maturity
  • Loan size: $100,000 to $1 million

Gemini Max Loan

This loan gives borrowers the option to redeem some the equity in your completed project before its ever sold or rented! Gemini Max Loan gives you the ability to access funds upon project completion.


For our most seasoned investors we’ve created the Gemini Max Loan.  This loan gives borrowers the option to pull out the equity in your completed project before its ever sold or rented! Gemini Max Loan gives you the ability to access funds upon project completion.

This means that we will make additional funds available to you when the following conditions are met: (1) the property has been listed for sale or refinancing is in place for a rental or commercial property, (2) A valid Certificate of Occupancy has been issued, and (3) the LTV at completion is no more than 70%.

Loan Requirements:

  • LLC, Partnership or Corporation in good standing. We do not make loans to individuals
  • Borrower is a repeat borrower of Gemini and has been in and remains in good standing with all of its loans.
  • Maximum LTV of 70% (After Repair Value).
    • Up to 65% LTV before Max LTV Conditions are met.
    • Up to 70% LTV after compliance with Max LTV Conditions
  • Construction funding up to 100% of cost subject to 65% initial LTV
  • Personal Guaranty from majority stakeholders in borrowing entity

Loan Terms:

  • 12% – 14% Interest Rate, Monthly Interest Only Payments
  • 2% – 4% points up-front
  • Minimum down payment 10% to 20% as determined on a case by case basis
  • TBD Loan Application Fee
  • $150 – $200 Draw Inspection Fee
  • 12 Month maturity
  • Loan size: $100,000 to $1 million