Financing Program
Fix and Flip Loans for Investors
Fix-and-flip financing provides fast, asset-based capital for investors acquiring and renovating residential properties. Loan decisions are driven by the property and the deal — not just personal credit — making this program accessible to both seasoned and first-time investors.
Loan Range
$75,000 – $3,000,000
Term Range
6 – 36 months
Structure
Short-term bridge capital for residential investment properties
What It's Used For
Common Use Cases
Acquire and renovate single-family homes
Purchase distressed or bank-owned properties
Complete light to heavy residential rehab projects
Fund multi-unit residential renovation
Bridge to a stabilized long-term rental hold
Program Details
Key Features
Loan-to-cost up to 92%
After-repair value (ARV) lending up to 70%
Timeline varies by lender and title/documentation readiness
Interest-only payments during the renovation period
Flexible draw schedules for renovation disbursements
Programs available for first-time and experienced investors
How It Works
How This Financing Is Structured
Fix and flip loans are typically structured as short-term bridge loans with interest-only payments during the renovation period. The loan covers purchase price plus a portion of renovation costs, with the after-repair value (ARV) as the primary underwriting metric.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Experienced investors with a documented track record
- →Projects with clear ARV and defined exit strategy
- →Investors with access to renovation contractors
- →Short-term bridge needs with defined timelines
✗ This program is NOT the right fit when:
- ✗First-time investors with no rehab experience
- ✗Projects without a clear comparable sales analysis
- ✗Borrowers who need long-term hold financing
- ✗Properties in markets with poor liquidity or comps
Common Questions
Frequently Asked Questions
What is after-repair value (ARV) and why does it matter?
ARV is the estimated value of the property after renovations are complete. Lenders use ARV to determine the maximum loan amount — typically 65–75% of ARV. Strong comps and a credible renovation budget are essential.
How fast can a fix and flip loan close?
Hard money and bridge lenders often close in 7–14 days. Speed depends on property evaluation, borrower experience, and documentation readiness.
Do I need prior experience to qualify?
Most lenders prefer borrowers with at least one completed flip. First-time investors may qualify with a strong financial profile, larger down payment, and experienced contractor partnerships.
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Acquisition, refinance, and construction for income-producing properties
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Government-backed financing for owner-operated businesses
Learn more →From the Insights Library
Related Reading
Ready to Move Forward
Fund Your Next Flip
No cost. No obligation. A direct conversation about whether this program fits your deal.