Fix and Flip

Overview

Fix-and-flip loans are short-term financing options designed for real estate investors who purchase properties with the intention of renovating and reselling them quickly for profit. These loans provide the capital needed to acquire distressed properties and fund renovation costs, allowing investors to maximize their return on investment.

Our Fix and Flip loans offer competitive rates, flexible terms, and quick approval to help you capitalize on time-sensitive real estate opportunities. Whether you're a seasoned investor or new to property flipping, our experienced team will guide you through the process and structure a loan that meets your specific project needs.

Key Benefits

Fast approval and funding - typically within 7-14 days
Up to 90% Loan-to-Value (LTV) ratio for purchase and renovation
Interest-only payment options during construction phase
No prepayment penalties for early loan payoff
Flexible loan terms from 6 to 24 months
Experienced underwriting team familiar with renovation projects
Competitive interest rates for qualified borrowers
Ability to finance multiple properties simultaneously

Requirements

Minimum credit score of 620 and no credit score in some states
Demonstrated real estate investment experience, and no experience accepted
Detailed renovation budget and timeline
Property appraisal (as-is and after-repair value)
Proof of liquid assets for down payment and reserves
Licensed contractor estimates for major renovations
Exit strategy documentation (sale or refinance plan)
Property insurance coverage throughout the loan term

frequently asked questions

FAQ

How quickly can I get approved for a Fix and Flip loan?

Our streamlined approval process typically takes 7-14 days from complete application to funding. We understand that timing is critical in real estate investments, so we prioritize quick turnaround times.

What is the maximum loan amount available?

Loan amounts vary based on the property value and scope of renovations, but we can typically finance up to 90% of the purchase price plus renovation costs, with loans ranging from $100,000 to $2 million or more for qualified borrowers.

Do I need to have construction experience?

While construction experience is helpful, it's not required. However, you must work with licensed contractors for major renovations and provide detailed project timelines and budgets.

What happens if the renovation takes longer than expected?

We offer flexible loan extensions when needed. Additional fees may apply, but we work with borrowers to accommodate reasonable delays in renovation timelines.

Can I use this loan for multiple properties?

Yes, experienced investors can qualify for multiple Fix and Flip loans simultaneously, subject to overall debt-to-income ratios and available collateral.

the love FOR FINANCING INVESTMENT PROPERTIES

our mission

People

Delivering transparent, reliable capital solutions that support investor success

Environment

Promoting responsible development that enhances long-term community value.

homes

Financing quality properties that strengthen housing markets.

family

Supporting financial stability through smart real estate investment.

Our absolute passion is funding real estate properties with ease.

Loan Funding Solution