Loan program
Fix & Flip Home Loan
Short-term financing to acquire, rehab, and resell investment properties.
Fix-and-flip loans finance both the purchase price and the rehab budget in one short-term loan — typically 12–18 months — so you can move fast on opportunities.
Speed wins flips. The right financing partner closes in days, releases rehab funds reliably, and trusts your numbers enough to keep you moving on the next deal.
Our fix-and-flip program is built by investors, for investors. We loan up to 90% of total project cost and up to 75% of ARV, with no income verification and lightweight documentation.
Experienced flippers earn the best rates and the fastest closings. New flippers can still qualify with strong reserves, a solid scope, and a properly priced deal.
What it gives you
Up to 90% LTC
Finance up to 90% of total project cost (purchase + rehab).
Fast Close
Most fix-and-flip loans close in 10–14 days.
No Income Verification
Asset-based underwriting on the deal, not your tax return.
Rehab Funds Held in Escrow
Renovation budget releases in draws as work completes.
How it runs, start to finish
- 1
Submit Deal
Send property, rehab budget, and ARV (after-repair value).
- 2
Term Sheet
Get a term sheet within 24 hours.
- 3
Close
10–14 day close — sometimes faster on repeat business.
- 4
Rehab & Sell
Draw rehab funds as work completes, then sell and pay off the loan.
Questions people ask about this one
What are typical rates?
9–12% interest plus 1–3 origination points. Short-term cost; profit comes from the spread on the sale.
Down payment?
Typically 10–20% of total project cost. Stronger borrowers and lower ARV ratios reduce that.
What's ARV?
After-Repair Value — the projected sale price once renovations finish. We loan up to 70–75% of ARV.
How fast can you close?
As fast as 7 days on clean deals with experienced borrowers.
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The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
