Acquisition and rehab financing in one loan. Move fast, renovate, and sell for profit.
A fix and flip loan is a short-term, asset-based loan designed specifically for investors who buy properties, renovate them, and sell them at a profit. The loan typically covers both the acquisition cost and the rehab budget, with rehab funds disbursed in draws as work is completed.
These loans are underwritten primarily on the property's after repair value (ARV)—what the property will be worth once renovations are complete. This allows investors to leverage more of the deal and keep their own capital working across multiple projects.
Investors buying distressed single-family homes, duplexes, or small multi-family properties to renovate and resell.
Investors who find deep-discount deals through wholesalers and need fast, reliable funding to close.
Buy, rehab, rent, refinance, repeat. Use a fix & flip loan for the first two stages, then refinance into a DSCR loan.
Experienced investors running multiple flips simultaneously who need a lender that can keep up with their deal flow.
Terms vary by lender, deal specifics, and borrower experience. These ranges are representative of what's available through our network.
Plug in your numbers to see if your flip pencils out. The 70% rule says your total cost (purchase + rehab) should not exceed 70% of the after repair value.
This is a quick estimate. Actual terms depend on your lender, experience, and deal specifics. Use our full calculator for detailed analysis.
Rehab funds are held in escrow and released in draws as construction milestones are completed. Here's a typical draw process:
Before closing, you provide a detailed rehab budget and scope of work. The lender reviews and approves the budget.
You complete a phase of the renovation using your own funds or a line of credit, then request a draw for reimbursement.
The lender sends an inspector to verify work completion, then releases funds for that phase—typically within a few business days.
Our network includes lenders who specialize in fix & flip. They understand rehab budgets, draw schedules, and investor timelines.
We present your deal to multiple lenders simultaneously, so you see the best available terms—not just one option.
Use our free calculator to model LTV, costs, and estimated profit before you submit a deal.
Send us your deal details and we'll match you with lenders who can fund it.