Fix & Flip Loans for Fast-Acting Investors

Close fast, renovate with confidence, and maximize your ROI. Get a FREE quote on a Fix & Flip loan designed for speed and flexibility.

Talk to a Private Money Specialist
OVERVIEW

The Lowdown on Fix & Flip Loans…

Fix & Flip loans (also known as Bridge Loans or Hard Money) are short-term financing solutions designed specifically for real estate investors. Whether you’re buying a distressed property at auction or a “diamond in the rough” on the MLS, these loans provide the capital you need to purchase and renovate the property quickly.

Traditional banks often refuse to lend on properties in poor condition. We do the opposite. We lend based on the After Repair Value (ARV). This means we provide the funds for the purchase plus a rehab draw to cover 100% of your renovation costs.

Our process is built for speed. In the world of flipping, the best deals go to the investor who can close in days, not months. We help you skip the red tape of traditional underwriting and get to the closing table fast.

Benefits

Why Choose a Fix & Flip Loan?

Speed to Close

Close in as little as 7 to 10 days. When a seller needs to move fast, our private money labels make your offer as competitive as a cash buyer.

100% Rehab Financing

Keep your liquidity. Most of our programs cover 100% of the renovation budget, disbursed in draws as you complete the work.

Asset-Based Underwriting

We focus on the deal’s profitability and the property’s potential. We don’t require tax returns or endless debt-to-income (DTI) checks.

Interest-Only Payments

Maximize your monthly cash flow during the renovation phase with interest-only payments. You only pay for the funds you’ve actually drawn.

No Prepayment Penalties

Flipped the house in 3 months? Great. Pay off the loan early without fees and move on to your next project.

Eligibility

Fix & Flip Loan Standards

Because these are investor-grade loans, the requirements differ from standard home loans:

Requirement Standard Notes
Loan Amount $100k – $5M+ Small residential to large multi-family flips.
Max LTC Up to 90% Loan-to-Cost (Purchase price coverage).
Max ARV Up to 75% Maximum loan based on After Repair Value.
Loan Term 12 – 24 Months Short-term bridge financing.
Credit Score 620+ We care more about the property than the score.
Experience 0 to 5+ Flips Rates improve as your “flip count” increases.
IS THIS RIGHT FOR YOU?

Fix & Flip Loans Are Ideal For…

Scenario 1: The Distressed Property Pro
You’ve found a foreclosed home that won’t pass a standard FHA inspection. You need a lender who sees the potential in the “bones” and provides the cash to restore it.
Scenario 2: The “BRRRR” Investor
You want to Buy, Rehab, Rent, Refinance, and Repeat. Use a Fix & Flip loan to acquire and renovate, then transition into one of our DSCR Long-Term loans once the property is stabilized.
Scenario 3: The Competitive Bidder
You’re buying at a trustee sale or from a wholesaler. You need a proof-of-funds letter that carries the weight of cash so your offer is accepted over others.
Scenario 4: The Strategic Renovator
You have the skills to manage a crew but don’t want to tie up all your personal savings in one project. Use our capital to leverage your expertise and take on 2 or 3 flips at once.
Fix & Flip FAQs

Frequently Asked Questions

Ready to Fund Your Next Project?

In the flip game, time is money. Get a leverage breakdown for your current deal and see how much you can borrow.