Luxury renovated interior

The King of Reno

FHA 203(k) · Fannie Mae HomeStyle® · CHOICERenovation® · Construction Loans · Hard Money

7
Loan Types Explained
25+
Years of Expertise
14
States Licensed
100%
Renovation Focused
The Guy You Call When the Deal Matters — The King of Reno, renovation financing expert

Renovation Lending Expertise

FHA 203(k), HomeStyle®, CHOICERenovation®, construction loans and more — expertise across complex renovation scenarios.

Complex Deals Made Simple

Distressed properties, mixed-use, high-renovation budgets. If it has a path, we find it.

Relationships That Build

Realtors, investors, and first-time buyers come back deal after deal. That's the measure.

25+ Years of Experience

Dustin brings more than two decades of mortgage experience, with deep expertise in renovation and construction financing across multiple programs and market cycles.

Built for Two Types of Builders

First-Time Buyers

Turn a Fixer-Upper Into Your Dream Home

You've found the property. Now find the financing. We break down FHA 203(k) loans, renovation mortgages, and construction-to-permanent options so you can buy and renovate with one smart loan.

Finance the purchase and eligible renovation costs with one FHA 203(k) mortgage, subject to FHA maximum-mortgage calculations, applicable loan limits, borrower qualification and other FHA requirements.
Real Estate Investors

Move Fast. Finance Smarter.

Hard money, bridge loans, DSCR financing — the tools serious investors use to acquire, renovate, and exit on their terms. No fluff, no beginner's guide. Just the strategies that move deals.

Hard money timelines vary by lender and deal — ask about your scenario
The Playbook

The Financing Playbook

Four essential loan types. Know which one fits your deal.

FHA 203k Loan

Combines purchase price and renovation costs into a single government-backed mortgage.

Best For
First-time buyers purchasing a home that needs repairs
Key Stat
3.5% minimum down payment
HELOC

A revolving line of credit secured by your home — flexible draw periods, interest-only options.

Best For
Homeowners tapping existing equity for renovations
Key Stat
Up to 85% LTV available
Hard Money Loan

Asset-based lending focused on property value, not borrower credit. Speed is the advantage — timelines vary by lender and deal structure.

Best For
Investors needing fast capital for fix-and-flip projects
Key Stat
Asset-based — speed over credit score
Construction Loan

Short-term financing that funds construction in draws, converting to a permanent mortgage at completion.

Best For
Ground-up builds or major structural renovations
Key Stat
Interest-only during build phase
Renovation in progress

Every great renovation starts with the right financing.

Dustin Swigart, renovation lending specialist and founder of The King of Reno

The Experience Behind the Strategy

Experience Changes
the Game.

Renovation financing isn't just another loan product.

For more than two decades, I've worked through the kinds of properties, renovation projects and financing scenarios that don't always fit neatly inside the standard mortgage box.

From FHA 203(k) and conventional renovation financing to investor rehab, hard money and complex property scenarios, the objective is the same:

  • Understand the property.
  • Structure the financing.
  • Get the deal closed.

Don't just finance the house.
Finance what it can become.

Expert Guidance

Ready to Finance Your Reno?

Get expert guidance matched to your project — whether you're buying your first home or closing your tenth deal.

No spam. No sales pressure. Just expert guidance.