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Fix and Flip Loans for Real Estate Investors
Fast, flexible financing for purchase and rehab projects nationwide with quick approvals and investor-friendly terms.
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Outdated properties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
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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 fix and flip loan?
A fix and flip loan is a short-term real estate loan used by investors to purchase, renovate, and resell a property for profit.
How do fix and flip loans work?
Fix and flip loans provide funding for both the purchase and renovation of a property. Investors complete the rehab and then sell or refinance the property to repay the loan.
How fast can I get a fix and flip loan?
Fix and flip loans can often be approved and funded much faster than traditional loans, sometimes within days depending on the deal and documentation.
What is the typical term for a fix and flip loan?
Most fix and flip loans are short-term, typically ranging from 6 to 18 months, depending on the project timeline.
Do fix and flip loans cover renovation costs?
Yes, most fix and flip loans include funds for both purchasing the property and covering renovation or rehab costs.
Can I finance 100% of rehab costs?
Many fix and flip loan programs allow investors to finance up to 100% of rehab costs, depending on the deal structure and borrower qualifications.
How are rehab funds disbursed?
Rehab funds are typically disbursed in stages through draw schedules, based on completed work and inspections.
Are payments interest-only during the project?
Yes, many fix and flip loans offer interest-only payments during the renovation period to help investors manage cash flow.
What credit score is needed for a fix and flip loan?
Credit score requirements vary, but many lenders offer fix and flip loans to borrowers with a range of credit profiles, depending on the strength of the deal. We do have a lender that will go down to a 350 score but the deal has to be very strong! We also can work with Foreign Nationals who have no US credit.
Do I need experience to qualify for a fix and flip loan?
While experience can improve loan terms, some lenders offer fix and flip loans to first-time investors based on the overall deal and financial profile.
Can beginners get fix and flip loans?
Yes, beginner investors can qualify for fix and flip loans, although requirements may vary and guidance is often provided throughout the process.
What types of properties qualify for fix and flip loans?
Fix and flip loans are typically available for single-family homes, multi-family properties, and other residential investment properties in need of renovation. Some commercial properties can also qualify.
Are fix and flip loans good for beginners?
Fix and flip loans can be a good option for beginners when paired with proper planning, budgeting, and understanding of the renovation and resale process.
How do I finance my first fix and flip?
To finance your first fix and flip, you can apply for a fix and flip loan that covers purchase and rehab costs, then complete the project and sell or refinance the property. You are NOT required to flip the home, you can refinance it to a DSCR loan and keep it as a rental.
What are the risks of fix and flip loans?
Risks include renovation cost overruns, market fluctuations, and delays in selling the property, which can impact profitability.
Can I refinance after flipping a property?
Yes, investors can refinance a completed project into a long-term loan, such as a DSCR loan, if they choose to hold the property as a rental.
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