Fast financing for investors who buy, renovate, and resell. Up to 100% of purchase price, 100% of rehab costs covered, funded in as little as 14 days.
Fix & Flip financing covers both the purchase and the renovation in one loan. We lend up to 100% of the purchase price (based on credit and flip experience) 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.
Distressed sellers want speed and certainty. Closing in as little as 14 days lets you move like a cash buyer — and win deals slower money can't.
Your income, employer, and tax returns are not factors.
ARV × 70% − renovation costs = your maximum purchase price
| Profile | Max LTV on Purchase |
|---|---|
| 680+ credit | Up to 80% |
| High-FICO program (740+) | Up to 90% |
| 3+ completed flips (680+ credit) | Up to 90% |
| 5+ completed flips (680+ credit) | Up to 95% |
| 10+ completed flips (680+ credit) | Up to 100% |
100% rehab financing and the 75% ARV cap apply across all tiers.
First flip? You start at the 680 tier.
No track record needed — a strong deal is what qualifies you: conservative ARV backed by real comps, a budget with 15–20% contingency, a licensed contractor with written estimates, and reserves. Start cosmetic, not structural, and your second flip gets better leverage.
We underwrite the deal, not your W-2s.
Draws release as work completes. Sell or refinance at exit — no prepayment penalty.
The classic flip: renovate, list, and cash out your profit at closing. No prepayment penalty means you keep more when it sells fast.
Renovate, lease, then refinance your flip loan into a 30-year fixed DSCR loan — lower rate, no balloon, long-term cash flow. BRRRR investors pull their capital back out and roll it into the next deal. We originate both loans.
Explore DSCR Loans →Get a quote on your next deal today. Close in as little as 14 days and start renovating.
No hard credit pull. No application fee. Written term sheet within 24 hours.