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Short-Term Financing for Investment Property Renovations
Fix & Flip Loans are designed for real estate investors who need fast access to capital to buy and renovate properties before reselling.
Loan Based on After-Repair Value (ARV) – Borrow against the property’s future value
Fast Closings – Get Funded in Days – Close quickly to secure profitable deals
Short-Term Loan (Typically 6-24 Months) – Designed for quick flips
Interest-Only Payments Available – Lower monthly costs during renovations
No Traditional Income Verification Required – Approval based on property value
Designed for Real Estate Investors & Property Renovators
These loans are ideal for seasoned and first-time investors looking to finance profitable renovation projects.
Fix & Flip Investors – Purchase undervalued homes, renovate, and resell for profit
Real Estate Developers – Fund short-term residential or commercial projects
Buyers in Competitive Markets – Close fast on distressed properties
Auction & Foreclosure Buyers – Get funding quickly for investment purchases
Investors Looking for High Leverage – Use minimal cash for maximum returns
Speed, Leverage & Flexibility for Real Estate Investors
Fix & Flip Loans provide fast, flexible financing to help investors scale their projects and maximize profits.
Fast Approvals & Funding – Close in as little as 7-10 days
High Loan-to-Value (LTV) Financing – Borrow up to 85% of purchase price & 100% of rehab costs
Interest-Only Payment Options – Lower carrying costs while renovating
No Income or Credit Score Requirements – Approval based on deal strength
Multiple Property Types Eligible – Single-family, multi-family, condos, and mixed-use properties
What Is a Fix & Flip Loan?
A Fix & Flip Loan is a short-term, asset-based loan designed for real estate investors who buy, renovate, and sell properties for profit. Unlike traditional mortgages, these loans focus more on the property’s potential value rather than the borrower’s income.
What Are the Benefits of a Fix & Flip Loan?
Fast approvals & funding – Close in days, not weeks
Flexible qualification – Focused on property value & deal strength
Interest-only payments – Lower carrying costs during renovations
High loan-to-cost (LTC) options – Up to 85% of purchase price + 100% of rehab costs
No personal income verification required
Who Qualifies for a Fix & Flip Loan?
Experienced investors who have completed previous flip projects
First-time investors with strong financials and a solid deal
Borrowers purchasing undervalued properties for renovation & resale
LLCs & business entities – These loans are typically for business-purpose transactions
How Does a Fix & Flip Loan Work?
Step 1: Pre-Approval – Submit deal details & investor experience
Step 2: Property Analysis – Lender evaluates purchase price, rehab budget, and after-repair value (ARV)
Step 3: Loan Funding – Close in as little as 5-10 days
Step 4: Renovation Period – Funds are released in draws for construction
Step 5: Sell or Refinance – Exit strategy is either selling for profit or refinancing into a long-term rental loan
What Are the Loan Terms for a Fix & Flip Loan?
Loan Term: 6-24 months (short-term financing)
Loan-to-Cost (LTC): Up to 85% purchase price & 100% rehab costs
Loan-to-ARV (After-Repair Value): Up to 70-75% ARV
Interest Rates: Typically 8-14%, interest-only payments
Closing Time: As fast as 5-10 days
What’s the Difference Between Hard Money & Fix & Flip Loans?
Hard Money Loan: A broad category of short-term, asset-based loans used for real estate. Can be used for fix & flips, rentals, or bridge financing.
Fix & Flip Loan: Specifically designed for investors flipping properties, structured with rehab funding and short-term interest-only payments.
Can I Get a Fix & Flip Loan with No Experience?
Yes, but first-time flippers may need:
A strong deal – Low purchase price with high after-repair value (ARV)
More skin in the game – Higher down payment (20-30%)
A contractor or mentor with experience to strengthen the deal
A solid exit strategy – Selling, renting, or refinancing
How Do Interest Rates Work for Fix & Flip Loans?
Rates vary by risk level – Experience, deal strength, and property location impact pricing.
Typical range: 8-14%, with interest-only monthly payments.
Points (Origination Fees): 1-3% of the loan amount paid upfront.
Do I Need an Appraisal or Inspection for a Fix & Flip Loan?
Appraisal: Some lenders require a subject-to appraisal, estimating the property’s After-Repair Value (ARV).
Construction Budget Review: Lenders analyze your rehab scope of work to ensure funding matches project needs.
Property Inspections: Some lenders may require periodic draw inspections before releasing rehab funds.
What Insurance & Title Requirements Apply to Fix & Flip Loans?
Property Insurance: Required to protect against damage during renovation.
Builder’s Risk Insurance: Covers rehab projects with major structural changes.
Flood Insurance: Needed if the property is in a flood zone.
Title & Vesting: Most fix & flip loans require properties to be vested in an LLC or business entity rather than a personal name.