Fix & Flip Home Loans

What is a Fix & Flip Home Loan?

Speed wins flips. The right financing partner closes in days, releases rehab funds reliably, and trusts your numbers enough to keep you moving on the next deal.

Our fix-and-flip program is built by investors, for investors. We loan up to 90% of total project cost and up to 75% of ARV, with no income verification and lightweight documentation.

Experienced flippers earn the best rates and the fastest closings. New flippers can still qualify with strong reserves, a solid scope, and a properly priced deal.

Fix-and-flip loans finance both the purchase price and the rehab budget in one short-term loan — typically 12–18 months — so you can move fast on opportunities.

Who qualifies for a Fix & Flip Home Loan?

This program is built for borrowers who match the criteria below. Not sure where you stand? Send us a quick message and we'll confirm in minutes.

• Real estate investors flipping properties for profit
• Wholesalers transitioning to active investors
• Investors with strong contractor relationships
• Borrowers experienced in renovation projects

Advantages of Fix & Flip Home Loans

• Up to 90% LTC — Finance up to 90% of total project cost (purchase + rehab).
• Fast Close — Most fix-and-flip loans close in 10–14 days.
• No Income Verification — Asset-based underwriting on the deal, not your tax return.
• Rehab Funds Held in Escrow — Renovation budget releases in draws as work completes.

How the process works

1. Submit Deal — Send property, rehab budget, and ARV (after-repair value).
2. Term Sheet — Get a term sheet within 24 hours.
3. Close — 10–14 day close — sometimes faster on repeat business.
4. Rehab & Sell — Draw rehab funds as work completes, then sell and pay off the loan.