Working with Lafayette Lending, you will find that our customer service goes above and beyond what you’re used to from conventional lenders. We understand the need to act fast and offer you fast closing options — typically within three-to-five business days — to ensure you don’t miss out on the investment property you’ve found. Our short-term single-family fix-and-flip loans are perfect for buying, adding value, and then selling or refinancing so you can reap the long-term benefits of your investment. When qualifying for our fix-and-flip loans — whether a bridge loan, hard money loan, or something that suits you even better — it’s beneficial to know the following when you start the process: purchase price, current value, estimated repair costs, and after-repair value.

Should You Rent or Sell Your Investment Property?

Investing in real estate is a great opportunity to do something creative while also increasing the value of a home, and even the neighborhood. After you have secured a hard money or bridge loan from Lafayette Lending, many investors struggle with deciding whether to flip and sell the house or to rent it out. Here are some things to consider:

Here are some things to consider:


If you’re looking for a quick return on your investment, fixing the home and selling it may be your best option. However, it’s important that you follow the 70% rule and possibly have some experience under your belt in flipping homes. A safer option is to rent or buy-and-hold the property, as it provides some income over a long period of time and it gives you the opportunity to wait for the market price to appreciate, at which point you can sell the house.

Property Management

There is some level of property management in both scenarios; however, when renting a home, there is a much bigger responsibility when it comes to managing the property. During the fix-and-flip process, there is little property management required, so it may be a better option for people who don’t have sufficient time to give the property after it’s flipped. When renting the property, you will be responsible for the tenant’s needs and making sure they take care of the property.


Fix-and-flip properties require a significant tax payment, which will eat into your income. A rental property does not require a large percentage of income tax.

Regardless of where you are in the process of securing your investment property, reach out to our team today to learn if a single-family fix-and-flip loan is right for you.