FIX-AND-FLIP LOANS
Capital that closes as fast as the deal does.
Short-term, asset-backed loans for real estate investors acquiring, renovating, and reselling property. Up to 90% of purchase plus 100% of rehab. Close in 5 to 14 days.
Why fix-and-flip lenders exist.
Fix-and-flip deals win or lose on speed. The good ones close in days. Conventional financing takes weeks. So serious flippers use specialty lenders who underwrite the deal — purchase price, rehab budget, after-repair value (ARV) — rather than the borrower’s tax returns.
We structure fix-and-flip loans up to 90% of purchase price plus 100% of rehab budget, with terms of 6 to 18 months. Interest-only payments during the project. The exit is the sale or refinance into a DSCR loan when the asset stabilizes.
KEY TERMS
Fix-and-flip specs
Loan-to-cost
Up to 90% of purchase + 100% of rehab. Often quoted as ‘X% LTC, Y% LTARV’.
Term
6 to 18 months. Interest-only. Sale or DSCR refi as the exit.
Speed
5 to 14 days from application to fund on standard deals. Faster on repeat borrowers.
Ready to talk to your specialist?
Three-minute application. No credit impact. Your dedicated specialist calls back inside one business hour.