Fix n’ Flip

Offering fast, flexible financing for investment properties, including rehab funding.

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What Is Our Fix n’ Flip Program?

We know that speed is everything when you find the right property. Our common-sense approach prioritizes your goals over rigid paperwork, providing a fast and reliable alternative to traditional hard money. We are here to help you turn a distressed house into a successful investment with ease.

Program Highlights

Our Fix & Flip financing is designed to help investors move quickly on renovation projects with a streamlined approval process and flexible terms. Clients can finance both the purchase and rehab costs, making it easier to turn distressed properties into profitable investments.

Faster Application

A shorter, simpler process designed to keep your project moving on schedule

Rehab Funding

Finance up to 100% of your improvement costs

Streamlined

No income analysis, DTI checks, or TRID disclosures

Flexible

No prepayment penalties or early payoff fees

Simple Payments

12-month terms with interest-only payments

Requirements

Credit Score

Minimum credit score of 660 required

Properties

Non-owner occupied 1-4 unit residential homes

Loan Amounts

Financing available up to $1M

LTV Limits

Up to 90% of purchase price and 70% of After-Repair Value (ARV)

Fix n’ Flip Program FAQs

How fast can I close on a Fix & Flip loan?

Closing times can vary based on the property, client qualifications, and how quickly documentation is provided, but Fix & Flip loans are typically designed to move fast. In many cases, closing can happen in as little as 5 to 14 days for straightforward transactions.

Can renovation funds be drawn in stages?

Yes, renovation funds are often released in stages as work is completed and approved. This draw process helps keep the project on track and ensures funds are used for the intended repairs and improvements.

Do I need construction experience to qualify?

Not always. Some Fix & Flip programs are available to borrowers with limited or no prior experience, though experience can sometimes affect approval, pricing, or loan structure.

What kinds of repairs or improvements are allowed?

Allowed improvements typically include renovation work that increases the property’s value, such as cosmetic updates, repairs, remodeling, and other project-related upgrades. Permits may be required for larger scope work, depending on the property and local rules.

How is After-Repair Value determined?

After-Repair Value, or ARV, is the estimated market value of the property after the planned renovations are completed. We typically base this on a review of the property, the renovation scope, comparable sales, and an appraisal or valuation analysis.

Can this program be used for both light and heavy rehab projects?

Yes, it can often be used for both lighter cosmetic rehabs and more substantial renovation projects, as long as the project fits the guidelines. The exact scope allowed depends on the property, budget, and underwriting criteria.

Ready to Get Started With Fix & Flip?

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