Fix and Flip Loans

Reimagine. Renovate.


Your Path to Fix and Flip Success.

Get the capital you need for your fixer upper with a fix and flip loan. Cover both property purchase and renovation costs, all in one convenient package. Access up to 100% financing, with flexible terms so you to focus on what matters most – reviving properties and maximizing your profits.

Fix and Flip Loan Rates + Terms

Rates starting at


Loans from

$50K to $2MM

Up to 100%

of purchase price and rehab funds

Up to 75%

of after-repair value

12, 18 + 24 month terms

100% of rehab costs

*Loan rates and terms are based on a combination of factors: LTV, FICO, and experience and are subject to change.

Transform Properties. Maximize Profits.

Fast Approval

Unlike traditional loans, which can take weeks or months to secure, hard money loans often provide expedited approval, allowing you to swiftly move forward with your project.

Flexible Options

Lenders consider the value of the property itself, rather than your creditworthiness. This is ideal for investors with less-than-perfect credit scores or limited financial history.

Higher Returns

By utilizing leverage, you can invest in properties that may require significant renovations or upgrades to unlock their full value. Maximize your returns and achieve greater profitability

Frequently Asked Questions

A Fix and Flip loan is a type of financing specifically designed for real estate investors who buy properties, renovate them, and then sell them for a profit. It provides the funds needed to purchase the property and cover the renovation costs.

A Fix and Flip loan works by providing you with the necessary funds to buy a property that needs renovations. Once you’ve completed the renovations and improved its value, you sell the property and repay the loan, keeping the profit for yourself.

The 70% flipping rule is a guideline that helps real estate investors decide how much they should pay for a property they plan to fix and sell for a profit. According to this rule, investors should aim to buy a property for no more than 70% of its expected selling price after repairs. This 70% includes the purchase price and the costs of renovations. Following this rule allows investors to ensure they have enough room to cover expenses and make a profit when they sell the property.

To qualify for a Fix and Flip loan, lenders typically look at factors such as your credit history, experience in real estate, and the property’s potential value after renovations. While each lender may have specific requirements, they generally aim to ensure that you have a solid plan and the ability to successfully complete the project.

The amount you can borrow with a Fix and Flip loan is typically based on the after-repair value (ARV) of the property. Lenders will assess the potential future value of the property after renovations and determine a loan amount based on a percentage of that value.

Loan-to-value (LTV) is a way to compare the loan amount to the value of a property. It helps lenders understand the risk and determine the loan terms. For example, if a property is valued at $100,000 and the loan amount is $80,000, the LTV would be 80%. A lower LTV means you have more equity in the property, which is generally preferred by lenders.

Loan-to-cost (LTC) is a term used in real estate and construction financing that compares the loan amount to the total cost of a project, including the purchase price and renovation or construction expenses. It is expressed as a percentage and helps lenders evaluate the level of financing relative to the overall project cost. For example, if the total project cost is $200,000 and the loan amount is $160,000, the LTC ratio would be 80% ($160,000 divided by $200,000).

Loan-to-value (LTV) and loan-to-cost (LTC) are two ways to look at financing in real estate. LTV compares the loan amount to the property’s value, while LTC compares the loan amount to the total cost of the project. LTV focuses on the property’s worth, while LTC considers the overall project expenses, including renovations or building costs.

Fix and Flip loans are usually short-term loans, with terms ranging from a few months to a year. The loan term is typically aligned with the estimated timeline for purchasing, renovating, and selling the property.

While having good credit can make it easier to secure a Fix and Flip loan, some lenders offer options for borrowers with less-than-perfect credit. These lenders consider other factors like the property’s potential and your experience in real estate when evaluating your eligibility for the loan.

The approval process for a Fix and Flip loan is typically quicker compared to traditional mortgages. While the exact timeline can vary, it’s common to receive approval within a few days or weeks, allowing you to move forward with your project promptly.

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