What Is a Fix and Flip Loan?

Fast financing for investors who buy, renovate, and resell. Up to 90% of purchase price, 100% of rehab costs covered, funded in as little as 14 days.

✔ Up to 90% LTV on purchase
✔ 100% rehab financing
✔ Min. credit score 680
✔ First-time flippers welcome

How Fix & Flip Financing Works

Fix & Flip financing covers both the purchase and the renovation in one loan. We lend up to 90% of the purchase price and 100% of rehab costs, with the total loan capped at 75% of after-repair value (ARV). Rehab funds release in draws as work is completed and inspected, so capital lines up with progress instead of sitting idle. No prepayment penalty — pay it off the moment the property sells.

Draws are simple: complete a stage of the renovation, request an inspection, and funds release for that portion of the work. Each draw funds the next phase instead of tying up your own cash upfront, so the project keeps moving from demo to listing.

Get a Quote → Call (862) 293-2467
Up to 90% LTV On purchase price
100% rehab financing Renovation costs fully covered
75% ARV cap On total loan amount
Min. credit score 680 First-time flippers welcome
$50,000–$3,000,000 Loan amounts available
12-month typical term Built for short-term projects
No prepayment penalty Pay it off the moment it sells
SFR, 2–4 units Eligible property types

Fix & Flip Loan Requirements

Straightforward requirements built around the deal and the project plan.

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Minimum credit score: 680
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Up to 90% LTV on purchase price
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100% of rehab costs financed
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Total loan capped at 75% of ARV (after-repair value)
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Renovation draws funded as work progresses
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Loan amounts: $50,000–$3,000,000
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12-month typical term
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Property types: Single-family, 2–4 units
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First-time flippers welcome
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No prepayment penalty

How to Get a Fix & Flip Loan

We underwrite the deal, not your W-2s.

1
Tell us about the deal Purchase price, rehab budget, and ARV.
2
We underwrite the project The property and the plan, not your W-2s.
3
Close and start work Draws release as renovation milestones are completed.
4
Sell or refinance No prepayment penalty when the project wraps.
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Common Questions

How much of the rehab budget will you finance?
Up to 100% of rehab costs, on top of up to 90% of the purchase price. Funds release in draws as work is completed and inspected.
Is there a cap based on after-repair value?
Yes. The total loan — purchase plus rehab — is capped at 75% of the after-repair value (ARV), regardless of the purchase and rehab totals individually.
Do I need flipping experience to qualify?
No. First-time flippers are welcome. We underwrite the property and the project plan, not a track record.
What credit score do I need?
A minimum credit score of 680.
How do renovation draws work?
Rehab funds are held back and released in stages as milestones are completed and inspected, so capital lines up with progress instead of sitting idle at closing.

Ready to Fund Your Next Flip?

Get a quote on your next deal today. Close in as little as 14 days and start renovating.

Get a Quote Call (862) 293-2467