100% Rehab
Renovation Funding
What is a Fix & Flip Loan?
Fix and flip loans provide short-term financing to acquire a property and fund its renovation. The capital is structured in two parts: an initial draw to close the purchase, and subsequent draws disbursed as you complete renovation milestones.
This product is designed for investors who:
- ■ Buy distressed residential properties at below-market prices
- ■ Renovate to increase value (BRRRR strategy or sell)
- ■ Need both acquisition and rehab capital in one loan
- ■ Want to minimize out-of-pocket costs with high leverage
- ■ Flip properties as a core part of their investment strategy
Program Highlights
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Up to 90% of purchase price — Minimize your cash in the deal. Higher leverage for experienced flippers.
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Up to 100% of rehab costs — Renovation funds disbursed in draws as work is completed and inspected.
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Based on After-Repair Value (ARV) — Loan structured against what the property will be worth, not just what it's worth today.
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Fast closings — Close in 10-14 days so you don't lose the deal.
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Interest-only, pay as you go — Only pay interest on funds drawn. No payments on undrawn rehab reserves.
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Repeat borrower discounts — Better pricing and faster processing on your 2nd, 3rd, 10th flip.
Typical Requirements
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Loan-to-Cost: Up to 85-90% (purchase + rehab)
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Loan-to-ARV: Up to 70-75% of after-repair value
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Credit Score: 660+ (experience can offset lower scores)
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Experience: 1-2 completed flips preferred (new investors considered with strong deals)
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Property Types: SFR, 2-4 units, condos/townhomes
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Loan Size: $75K to $3M+
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Exit Strategy: Sell for profit or refinance into DSCR/conventional