Get your fix and flip scenario reviewed
Tell us the property, the rehab budget, and the after-repair value — we’ll tell you if the numbers work, usually the same day. No full application to start.
What is a fix and flip loan?
A fix and flip loan is short-term financing for investors who buy a property, renovate it, and resell it. Unlike a standard mortgage, it’s built to fund both the purchase and the renovation — and it’s structured around the deal itself, not just your personal income.
The reason investors use it comes down to leverage and speed. Rather than tying up all your cash in one project, a fix and flip loan lets you fund the acquisition and the rehab, move quickly on a competitive deal, and keep capital free for the next one. The loan is generally structured around the property’s after-repair value — what it’ll be worth once the work is done.
Programs, terms, and how much of the rehab is financed vary by lender and by your experience level. Send us the purchase price, the rehab budget, and your target after-repair value, and we’ll tell you where the deal lands.
Why flippers choose fix and flip loans
Purchase + Rehab
Financing for the acquisition and the renovation budget in one plan, so you’re not funding the rehab out of pocket.
Move Fast on Deals
Built for speed so you can compete for the right property. Not a commitment to lend.
Structured on the Deal
Underwritten around the property and its after-repair value, not only your income.
New and Experienced
Programs for first-time flippers and seasoned investors alike. Subject to experience and guidelines.
Fix and flip loan basics
Short-Term
Designed to be repaid when you sell or refinance the finished property. Terms vary by lender and deal.
ARV-Driven
The loan structure considers the after-repair value of the property. Subject to appraisal and underwriting.
Investment Only
For non-owner-occupied investment properties, not homes you’ll live in.
We Run the Numbers
Send purchase price, rehab budget, and ARV, and we’ll tell you where the deal lands. Subject to credit and underwriting.
Got a property under contract?
Send us the details and we'll tell you what's possible — usually the same day. All loans subject to credit and underwriting approval.
Send My ScenarioCommon questions
What is a fix and flip loan?
It’s short-term financing for investors who buy, renovate, and resell a property. It’s built to fund the purchase and often part or all of the renovation, structured around the deal.
Does it cover the rehab too?
Often, yes — many fix and flip programs finance a portion of the renovation in addition to the purchase. How much depends on the deal, the lender, and your experience.
Can first-time flippers qualify?
There are programs for newer investors, though terms often vary with experience. Send us the scenario and we’ll tell you what’s realistic for your first project.
What is ARV and why does it matter?
ARV is the after-repair value — what the property is expected to be worth once the renovation is complete. Fix and flip loans are generally structured around it.
How fast can I close?
These loans are built for speed, which is often the point. Actual timelines depend on the property, your documentation, and the appraisal.
Have a flip in mind? Send us the deal.
Tell us the purchase price, rehab budget, and after-repair value, and we’ll tell you if the numbers work. All loans subject to credit and underwriting approval.