5–14 days
to close on qualified deals

Up to 90%
of purchase + rehab costs

ARV-based
loan qualification

$100K–$5M+
loan amounts

Who Fix & Flip Loans Work For

• Experienced flippers scaling their acquisition volume
• First-time investors with a strong deal and solid contractor
• Spec builders constructing and selling newly built homes
• Investors purchasing at auction, foreclosure, or off-market
• Contractors who buy, rehab, and sell as a business
• Investors who need to close faster than conventional financing allows

What Makes a Good Fix & Flip Deal

• Strong ARV supported by comparable sales in the area
• Detailed scope of work from a licensed contractor
• Realistic rehab budget with a contingency buffer
• After-repair profit margin of 15–20%+ on the ARV
• Clear exit strategy: sell or refinance into long-term at completion
• Property in a market with active buyer demand

Loan Structure

• Term: 12–24 months (extensions available on most programs)
• Payments: interest-only during the loan term
• Draws: rehab budget disbursed in stages as work is completed
• Prepayment: no penalty on most programs — sell anytime
• Rate: typically 9–12% depending on LTV, experience, market
• Points: 1.5–3 origination points on most programs

Typical Requirements

• Minimum 620 credit score
• Purchase price + rehab budget with detailed line-item SOW
• ARV appraisal or BPO confirming the completed value
• Verifiable rehab experience preferred (first-time considered)
• Loan-to-cost up to 90%; loan-to-ARV typically 65–70%
• Title, insurance, and permits per standard requirements

How fast can you actually close?
On qualified deals with clean title and appraisal, we can close in 5–7 business days. Most deals close in 10–14 days. The key driver is how quickly you can get a clear title and an ARV appraisal completed.

Do I need experience to get a fix and flip loan?
Experience helps and typically unlocks better terms, but we work with first-time flippers on deals with strong numbers, solid contractor bids, and reasonable LTV. Your exit strategy and the deal quality matter more than experience on entry-level deals.

What is the draw process for rehab funds?
Rehab funds are held in escrow and released in draws as construction milestones are completed. An inspector visits the property, confirms work is done, and we release the next draw — typically within 48–72 hours of a completed inspection.

Can I include the purchase price AND rehab costs in the loan?
Yes. Most programs lend on a combined loan-to-cost basis — purchase price plus rehab budget. The combined amount is then compared to the ARV to ensure sufficient collateral.

What if the rehab takes longer than expected?
Most programs offer extension options, typically at a small fee. We structure extensions proactively rather than letting loans go into default. Communication is key — call us early if you see a delay coming.

What types of properties qualify?
Single-family homes, 2–4 unit residential properties, and some commercial properties. Condos are considered case-by-case. The property must be in a market with active comparable sales to support the ARV.