Fix and Flip Loans
Fix & Flip Loans for Real Estate Investors
Fix & Flip loans provide real estate investors with the capital needed to purchase distressed properties, renovate them, and resell for profit. These short-term loans are designed specifically for investment properties and allow investors to move quickly in competitive markets.
Why Investors Use Fix & Flip Loans
Traditional banks often move too slowly for real estate investors. Fix & Flip financing is built around the speed and flexibility required for value-add projects.
With a Fix & Flip loan, investors can:
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Purchase distressed or undervalued properties
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Fund renovation or construction improvements
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Increase the property’s value
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Sell the property for profit or refinance into a rental loan
These loans are commonly used for projects such as cosmetic renovations, full rehabs, BRRRR strategies, and transitional properties.
Key Features of Fix & Flip Financing
Our Fix & Flip loan program is designed to help investors close quickly and maximize returns.
Typical loan features include:
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Fast approvals and closings
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Financing for both purchase and renovation
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Short-term loan structure designed for quick resale
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Interest-only payment options
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Flexible underwriting based on the property and project
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Funding based on After Repair Value (ARV)
Loan Highlights
Depending on the project and borrower experience, Fix & Flip loans can include:
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Loan amounts from $75,000 to $5,000,000+
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Loan terms typically 6–18 months
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Financing for purchase and renovation
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Leverage up to ~75% loan-to-value and up to ~93% loan-to-cost
*These guidelines vary and may change.
Projects That May Qualify
Fix & Flip loans are commonly used for:
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Single-family renovations
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Value-add residential projects
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BRRRR strategy investments
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Distressed property acquisitions
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Auction purchases
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Off-market real estate opportunities
Because these loans focus on the investment opportunity itself, they can often finance projects that traditional banks will not.
*All loans are subject to credit review and approval. Rates subject to change without notice. This is not a commitment to lend.
Our Process
Our team follows a proven process that helps us understand your goals and build a clear action plan to help you achieve them.
Introduction Call
A quick, no-pressure conversation to learn about you, your goals, and your timeline. This helps us understand what you’re trying to accomplish and how we can best support you.
Application & Team Review
You complete a simple application, pull credit and our team reviews your information behind the scenes. This allows us to verify details, identify opportunities, and prepare the best possible options for you.
Action Plan Call
We walk you through your personalized loan options, explain the pros and cons of each, and help you decide on the best path forward.
