First-time investor or seasoned pro – we're at your side.
Rates & Terms
Rates starting at 7.75%
Up to 95% of purchase price
Loan term: 6 / 9 / 12 / 18 / 24 months
Loans from $75K – $10M
Eligible Property Types: SFR / Condo / Multi-Family
Minimum FICO: 600 – lower on exception
Additional Perks
No Up Front Fees
Start your project without any upfront costs or hidden charges
No Appraisal
Skip the traditional appraisal process and move faster
No Income Verification
Focus on the property value, not personal income requirements
Program Details
Loan Features
- Loans from $75K – $10M
- Eligible Property Types: SFR / Condo / Multi-Family
- Loan term: 6 / 9 / 12 / 18 / 24 months
- Loan to Cost (LTC): up to 100% of purchase + 100% of rehab
- Loan to After Repair Value (LTARV): up to 75%
- Minimum FICO: 600 – lower on exception
- Rapid Close | No Appraisal | Advanced Rehab Draws
Requirements
- No income verification
- No appraisal
- No up front fees
- No experience required
- Detailed renovation budget
- Planned exit strategy
How Fix-and-Flip Financing Works
Property Acquisition
Purchase distressed properties below market value using our acquisition financing.
Renovation Phase
Access renovation funds through scheduled draws as work progresses and milestones are met.
Property Sale or Refinance
List and sell the renovated property or easily refinance and hold it as a cash-flowing rental – with cash-out.
Loan Repayment
Pay off the loan with proceeds from the sale and keep your profit.
Success Story
Sarah & Mike Johnson
We purchased a distressed 3-bedroom home for $180,000 and secured a $220,000 fix-and-flip loan covering both acquisition and renovation costs. After 4 months of renovations, we sold the property for $360,000, netting a $95,000 profit after all costs and loan repayment.
Frequently Asked Questions
What is the maximum loan amount for fix-and-flip projects?
We offer fix-and-flip loans up to $2 million, with loan amounts typically based on the After Repair Value (ARV) of the property.
How quickly can I close on a fix-and-flip loan?
Our streamlined process allows for closings in 7-14 days, depending on the complexity of your project and documentation completeness.
Do I need renovation experience to qualify?
While renovation experience is preferred, we work with both experienced flippers and those new to the business. We'll review your team and project plan.
How are renovation funds disbursed?
Renovation funds are disbursed through scheduled draws based on completed milestones. We work with your contractor to ensure timely funding.
What happens if the property doesn't sell as quickly as expected?
We offer loan extensions and can work with you to adjust the timeline. However, it's important to have a realistic exit strategy in place.
Why Choose Our Fix-and-Flip Loans?
Fast Approval Process
Get pre-approved in 24-48 hours and close in as little as 7 days with our streamlined underwriting.
Competitive Rates
Starting at 8.5% with flexible terms and no hidden fees or prepayment penalties.
Experienced Team
Work with loan officers who understand fix-and-flip projects and can guide you through the process.
Flexible Terms
Customize your loan structure to match your project timeline and renovation needs.