Fix & Flip Loans up to 95% of Cost with Closings in as Little as 10 Days
Fast, asset‑based financing for real estate investors who need reliable capital to buy, renovate, and exit quickly—without the friction of traditional bank loans.
- Up to 95% loan‑to‑cost and 75% loan‑to‑ARV
- Funding for 100% of rehab budget
- No prepayment penalty, interest‑only terms
- First‑time and experienced investors welcome
Business‑purpose only. No tax returns required. Available in most U.S. states.
Fix & flip loans built for modern real estate investors
Move quickly on distressed or value‑add properties with a lending partner that understands timelines, construction draws, and exit strategies. We underwrite the deal, not your tax returns.
High leverage on both purchase and rehab
Finance up to 95% of total project cost and up to 75% of the after‑repair value, keeping more of your cash available for new opportunities.
Fast, streamlined closings
Same‑day prequalification, simplified documentation, and appraisal waivers on many loans under $750k help you compete with cash buyers.
Digital draw management
Request construction draws online with virtual inspections and typical 24‑hour turnaround, so your crews stay moving and projects stay on schedule.
Flexible exit options
Sell for a profit or refinance into a long‑term DSCR rental loan once the property is stabilized— all with one lending relationship.
Who qualifies?
U.S. citizens, permanent residents, and foreign nationals investing through an entity or in their own name. First‑time flippers are welcome.
Eligible properties
Single‑family homes, 1–4 unit residential, townhomes, condos, and select non‑warrantable condos in most states. Distressed and heavy‑rehab projects considered.
Typical structure
12–18 month interest‑only term, 1–3 points depending on leverage and experience, and no prepayment penalty when you sell or refi early.
Market snapshot
Fix & flip projects remain a meaningful share of U.S. home sales, with typical gross spreads in the tens of thousands of dollars per deal—depending on market and execution.
From scenario to closing in as little as 10 days
Our process is built so you can focus on finding and managing deals—not chasing paperwork or wondering where your loan stands.
Submit the property address, purchase price, rehab budget, and your target exit. Most investors receive a same‑day soft quote.
Review a written term sheet outlining rate, leverage, and estimated costs. Provide your contract, scope of work, and basic entity docs to move to underwriting.
We fund directly to the closing table. As you complete work, request draws online and keep the project moving with quick inspections and releases.
Why investors choose dedicated fix & flip loans
Traditional mortgages and HELOCs are built for homeowners, not investors working on tight timelines and heavy‑rehab projects. Here’s how our program compares.
| Feature | Fix & flip loan | Conventional mortgage | HELOC | Local hard money |
|---|---|---|---|---|
| Typical approval time | 1–2 weeks | 30–60 days | 2–4 weeks | 3–7 days |
| Underwriting focus | Deal strength & ARV | Income & credit | Home equity & credit | Property value |
| Loan term | 6–18 months | 15–30 years | 10–20 year draw period | 6–12 months |
| Rehab funding included | Yes, up to 100% | No | No | Varies |
| Best for | Distressed, time‑sensitive flips | Owner‑occupied, move‑in ready | Primary residence equity | Very local, relationship‑based deals |
| Prepayment penalty | None | Sometimes | Rare | Varies |
Frequently asked questions about fix & flip loans
New to investor loans or just want to confirm how something works? Start with the answers below.
Ready to run numbers on your next flip?
Send us your scenario and we’ll respond with a tailored quote—often the same business day—so you can write stronger offers and move quickly when the right deal hits your inbox.