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Fix & Flip Loans
Up to 95% Purchase, 100% Rehab, 75% ARV — Fast, Asset-Based Capital
Why This Loan?
Finance up to 95% of purchase price and 100% of renovation costs, capped at 75% ARV.
Interest charged only on the outstanding balance, not on rehab hold-back funds.
Terms from 12–18 months; close in as few as 5–10 business days.
9.20%
Starting Rate
Interest-Only
100%
Rehab Costs
Full Coverage
Loan Criteria
1
Collateral
Non-owner-occupied: 1–4 family, condos, townhomes, 5+ unit apartments, mixed-use
2
Max Leverage
Up to 95% Purchase + 100% Rehab; not to exceed 75% of ARV
3
Term
12 – 18 months (interest-only)
4
Min ARV
$100k (1–4 Fam) · $375k (Multi-Fam/Mixed)
5
Loan Size
$50k – $2M (1–4 Fam) · $250k – $3M (5+ units/Mixed)
6
Min FICO
650
7
Rates
As Low As 9.20% (Interest Only Charged on Outstanding Balance)
8
Pre-Pay Penalty
None
Typical Leverage & Rate Tiers
New Investor
0 – 2 flips (last 3 yrs)
Up to 80% Purchase + 100% Rehab; ≤ 70% ARV
From 10.74%
Intermediate
3 – 5 flips (last 3 yrs)
Up to 90% Purchase + 100% Rehab; ≤ 72.5% ARV
From 10.24%
Experienced
10+ flips (last 3 yrs) & FICO 720+
Up to 95% Purchase + 100% Rehab; ≤ 75% ARV
From 9.20%
How the Draw Process Works
Initial Advance
Purchase funds wired to closing.
Renovation Hold-Back
Rehab budget held in escrow.
Progress Inspections
Draws released in 24–48 hrs after each milestone.
Exit
Sell or refi; no pre-pay penalty.
Ready to Flip Your Next Property?
Find Property
Locate an undervalued property with potential
Get Financing
Secure your Fix & Flip loan with competitive rates
Renovate
Transform the property with strategic improvements
Sell for Profit
List and sell your renovated property at a higher value
Expert Support Throughout Your Project
Fast Approvals
Close in as few as 5-10 business days with our streamlined process
Flexible Financing
Up to 95% of purchase and 100% of renovation costs based on experience
Personalized Service
Work with experienced loan officers who understand real estate investing
Transparent Terms
No hidden fees or pre-payment penalties to worry about