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Fix and Flip Loans
Fix and Flip Loans That Accelerate Your Project
A fix and flip loan is a short-term real estate investment loan designed to help investors purchase, renovate, and quickly resell a property for profit. These loans are built specifically for property flippers who need fast access to capital and flexible underwriting.
Unlike traditional mortgages, fix and flip loans focus primarily on the value of the property — especially its After Repair Value (ARV) — rather than solely on borrower income.
IIf an investor decides to keep the property as a rental instead of selling, the short-term loan must typically be refinanced into a long-term rental loan. This strategy is commonly used in the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat).
What Can a Fix and Flip Loan Be Used For?
Property Acquisition
Most fix and flip loans finance distressed or undervalued properties, including:
Homes in poor condition
Outdated properties
Foreclosures
Auction purchases
Off-market deals
Because these opportunities move quickly, speed of funding is critical — especially for auction buyers.
Renovation Costs
Loan proceeds can cover renovations ranging from light cosmetic updates to major structural repairs, including:
Interior and exterior upgrades
Roof replacement
Foundation repairs
Plumbing and electrical updates
Layout reconfiguration
Landscaping and curb appeal improvements
ask us anything!
Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
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Key Features of Fix and Flip Loans
Short-Term Financing
Most fix and flip loans have terms ranging from 6 to 36 months, with 12 months being most common. These loans are designed for quick project turnaround.
Asset-Based Lending
Approval is primarily based on the property’s value — particularly the projected After Repair Value (ARV) — rather than strictly on tax returns or traditional income verification.
Loan-to-Value (LTV) on Purchase
Lenders may finance up to 80–90% of the purchase price, depending on the deal and borrower experience.
Investor experience within the past three years can significantly impact terms
Investor experience within the past three years can significantly impact terms.
why choose us?
Are you interested in the BRRRR strategy?
DSCR Purchase
DSCR Refinance
Fix & Flip
New Construction
Bridge
The first step in the BRRRR strategy is to locate that fixer upper and "B" Buy it with our Fix & Flip loan. It is both a purchase and finance the "R" renovation loan.
Once you fix the property, then you "R" rent it out and "R" refinance with our DSCR refinance loan. The last "R" is for repeat.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Testimonials
— Michael R.
I had an incredible experience with them]. The team was attentive and helped me navigate the mortgage process smoothly. Thanks to their expert guidance, I was able to secure my dream home without any hassle. Highly recommend!
— Sarah T.
The support I received from them was outstanding! They took the time to understand my needs and found the perfect financing solution for my investment property. I couldn't have done it without them!
Frequently Asked Questions
What is a hard money loan?
A hard money loan is a short-term financing option secured by real estate, primarily based on the property's value rather than the borrower's creditworthiness. These loans typically have higher interest rates and quicker approval times, making them suitable for urgent funding needs or real estate investments. The exception to this would be a DSCR loan which is still considered hard money but it can be a 30 year loan like a regular mortgage
What loan types do you offer?
We offer DSCR loans, Fix and Flip loans, New Construction loans, and Bridge loans for real estate investors. Efundhomes does loans strictly for real estate investors. However if you are interested in buying a home to live in, try www.davidstreitmortgage.com
How do I know which loan is right for me?
Our team reviews your goals and project details to recommend the best loan option for your strategy. Don't worry, Fix and Flip loans you are not required to Flip it. You are required to refinance it, we can refinance your Fix and Flip loans into a DSCR loan which works great for the BRRRR strategy
What is the application process like?
We deal with so many different lenders that all have their own application process. We will try to work with the simplest lender for this. However, depending on the location of your property, the lenders might have different requirements in the application. Usually our loans do not include personal income and employement
How fast can I get approved and funded?
Timelines vary by project, but we move quickly to ensure a smooth, efficient approval and funding process. Commercial and Mixed Use properties take the longest amount of time to complete the loan. Usually a 1-8 family property can close within 30 days or less
Efundhomes LLC — Premier Hard Money Broker for Real Estate Investors
Fast, reliable funding for Fix & Flip, DSCR, New Construction, and Bridge Loans
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