Fix & Flip Loans

Short-term financing to purchase, renovate, and sell residential properties. Fund your next flip with up to 95% LTC. Rates starting at 8.375%. Nationwide.

Get Your Terms

Common Use Cases

Buy, Renovate & Sell

Purchase a property, complete renovations, and sell for a profit in a short timeframe.

Value-Add Repositioning

Transform underperforming properties through strategic renovations to maximize resale value.

BRRRR Strategy

Buy, Rehab, Rent, Refinance, Repeat. Flip into a DSCR loan after stabilization.

General Terms

Loan Amount$125K – $5M

Rate From8.375%

TermUp to 18 months

Payment TypeInterest Only

Min FICO680

TermUp to 24 months

Foreign NationalsAccepted (No minimum FICO)

Prepayment PenaltyNone

Light vs. Heavy Rehab

Light Rehab

Budget is less than 50% of As-Is Value.

Cosmetic upgrades, minor renovations, paint, flooring, fixtures.

Heavy Rehab

Budget is 50% or more of As-Is Value.

Structural changes, major renovation, additions. If GLA increases 25%+, treated as heavy regardless.

Draw Process

Funds disbursed based on construction milestones
Inspection required to confirm completed work
After draw approval, funds disbursed within 48 hours

Requirements

Government-issued ID (DL, Valid Visa, Passport)
Signed loan application
2 months bank statements
Entity Documents: Operating Agreement / Bylaws, Articles of INC, EIN Letter, Certificate of good standing
Rehab budget with detailed scope
Construction plans (for heavy rehab)
Property insurance
Track record consistent with project type

Frequently Asked Questions

Projects completed in the last 36 months that match the project type and scope. Primary residence and vacant lots do not count.

Yes, at lower leverage tiers. Consider partnering with an experienced contractor who can sign a Collateral Assignment or Personal Guaranty.

Budget-to-As-Is-Value ratio: less than 50% is light rehab, 50% or more is heavy rehab. If work increases GLA by 25%+, it's treated as heavy regardless.

We fund nationwide. Contact us to confirm your specific market.

Yes, an optional extension is available subject to evaluation and a small fee.