Fix & Flip Loans from 8.875%

Fix and flip loans offer up to 90% of the purchase price, up to 95% of loan-to-cost (LTC) including rehab, and up to 75% of the loan-to-after-repair-value (LTARV). The actual leverage depends on borrower experience, credit, and deal quality.

No prior experience is required for fix and flip loans. We welcome both first-time flippers and seasoned operators. New investors may have slightly different leverage or rate tiers, but there is no minimum project count required.

Rehab funds are held in escrow and released in draws as work is completed. You submit a draw request through our asset management portal, we schedule a quick inspection, and funds are released — typically within a few business days. The process is designed to be fast and predictable so your project stays on schedule.

We can close fix and flip loans in as fast as two weeks for well-prepared borrowers with clean titles and appraisals in hand. Typical closings take 2-3 weeks depending on title, appraisal, and insurance timelines.

The minimum credit score for fix and flip programs is 680. We underwrite the deal holistically, so a strong project with a clear exit strategy can offset other factors.

Yes, non-recourse options are available on fix and flip loans for qualifying borrowers. Standard carve-outs apply. Contact our team to discuss non-recourse structuring for your specific project.

Fix and flip loans are available for single-family residences, townhomes, condos, and 2-4 unit residential properties. The property must be non-owner-occupied and intended for renovation and resale or stabilization as a rental.

Yes — a fix and flip loan is the first step in the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). Fund the acquisition and renovation, stabilize the property as a rental, then refinance into a long-term DSCR rental loan. We offer both products, making the transition seamless.

Rates depend on borrower experience, credit score, leverage, and project scope. Experienced flippers with strong credit and lower leverage typically receive the best pricing. Try our construction loan calculator to estimate your rate.