Real estate investing has long been considered one of the most reliable ways to build wealth, and flipping houses remains a top strategy for quick profits. But what if you don't have thousands of dollars saved up? Can you flip houses with no money? The answer is yes—with the right strategy and lender by your side. In this guide, we'll explore how investors in Greenville can get started with fix and flips lending services, fund deals with no money down, and use powerful tools like the STR DSCR loan to unlock long-term rental profits.

Flipping Houses in Greenville: A Market Full of Potential

Greenville, South Carolina, is emerging as a hotspot for real estate investors. With its steady population growth, thriving economy, and increasing demand for housing, both short- and long-term, the city offers ideal conditions for flipping homes. The opportunity is strong—but accessing the right funding is key to success. That's where fix and flips lending services in Greenville come into play.

What Are Fix and Flips Lending Services?

Fix and flip loans are short-term financing solutions designed specifically for real estate investors who plan to buy undervalued properties, renovate them, and resell them for a profit. These loans are based more on the property's future value than the borrower's personal credit or income. That makes them perfect for first-time investors or those without extensive financial history.

At VP Capital Lending, we offer tailored fix and flips lending services in Greenville with fast approvals, competitive rates, and funding designed around your unique project. Whether you're flipping a single-family home or a small multi-unit property, we help you close deals confidently and quickly.

How to Flip Houses with No Money

Now, let's address the burning question: How to flip houses with no money?

Flipping a home without any personal capital may seem impossible—but with the right financial structure, it can be done. Here are the most effective ways:

1. Use a Hard Money Loan

Hard money loans are asset-based loans secured by real estate. At VP Capital Lending, our hard money lending options allow you to borrow up to a high percentage of the after-repair value (ARV), which means the entire purchase price and rehab budget can be funded by the loan—leaving you with little to no money required upfront.

2. Partner with Investors

You can form partnerships where one party provides the capital, and you provide the labor and management. This strategy works well for skilled contractors or real estate professionals with no cash but deep knowledge of renovations and deal structures.

3. Seller Financing

Some sellers may agree to finance the property themselves, especially if the home has been sitting unsold for a while. This allows you to bypass traditional lenders entirely.

4. Gap Funding or Secondary Financing

Even if a hard money loan doesn't cover 100% of the cost, you may secure secondary financing (often from a private lender or investor) to make up the difference.

With these strategies, you can flip houses with no money—and VP Capital Lending can be your financing partner every step of the way.

STR DSCR Loan: A Game-Changer for Short-Term Rentals

Short-term rentals (STRs) like Airbnb and Vrbo have exploded in popularity across the U.S., and Greenville is no exception. Investors seeking steady cash flow and higher nightly rates are turning to STRs as an alternative to traditional long-term rentals. But financing STR properties often comes with challenges—especially if your personal income is inconsistent or doesn't reflect your rental cash flow.

What is an STR DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. These loans are underwritten based on the income your property generates—not your W-2 or tax returns. The “STR” part means the loan is optimized for short-term rental properties.

So, how does it work? A lender evaluates how much your property can earn (based on average nightly rates, occupancy, and area comps). If the income is sufficient to cover the monthly loan payments (typically a DSCR of 1.0 or higher), you're likely to get approved—even with low personal income or credit blemishes.

At VP Capital Lending, we provide STR DSCR loan options with:

  • No income verification



  • Quick approvals



  • Competitive interest rates



  • Up to 80% LTV



  • Flexible terms for vacation rentals and Airbnbs



Whether you're flipping a home into a short-term rental or buying an existing Airbnb, a DSCR loan could be the key to scaling your portfolio.

Why Choose VP Capital Lending?

When you're looking to scale your real estate investments in Greenville or beyond, having a lending partner that understands your goals is essential. VP Capital Lending offers:

  • Fast and simple loan application processes



  • Custom loan products for flippers and STR investors



  • Expert support from a team who understands real estate investing



  • Nationwide service with a strong presence in South Carolina



We specialize in empowering new and experienced investors alike, especially those asking: Can you flip houses with no money? Our answer is always: yes—with the right lender.

Final Thoughts: Start Flipping Without the Stress

The Greenville real estate market is full of opportunity. Whether you're flipping homes or scaling an Airbnb portfolio, the lack of personal capital shouldn't stop you from achieving your goals. With fix and flips lending services in Greenville, creative financing strategies, and STR DSCR loans, you have multiple tools at your disposal.