Loan programs · Fix & Flip
Fix & Flip
For operators buying non-owner-occupied real estate to renovate and resell within 12 months. We fund the purchase and rehab together, so you close on the deal and start work without a second loan.
- Purchase + rehab funded in one loan
- Up to 65% LTV of ARV
- In-house underwriting, 24-hour first response
Typical scenario
Typical scenario
Terms at a glance
Fix & Flip terms
- Loan-to-value
- Up to 65% of ARV
- Term
- 12 months
- Property use
- Non-owner-occupied only
- Borrower vehicle
- Business entity + personal guarantee
- Interest
- Daily-accrual, paid monthly
- Rehab funds
- Released as draws
How it works
Getting funded on a fix & flip
- 1
Submit the deal
Send the property, purchase agreement, and scope of work.
- 2
Underwriting
We review the borrower, property, and rehab budget in-house.
- 3
Term sheet & closing
Term sheet inside a week; closing in as little as 7–14 days.
- 4
Draws & payoff
Rehab funds released as work progresses; payoff on resale.
Program FAQs
Questions about Fix & Flip
We assess ARV using recent comparable sales and a walkthrough. For larger deals we may require a formal appraisal.
Draws are released against completed line items — we inspect (or accept photo evidence for smaller items) before releasing funds.
Extensions are considered case-by-case. Reach out well before the maturity date so we can restructure or rate-and-term the loan.
Related programs
Not quite what you need?
Bridge Loan
Fast capital to close on a property while long-term financing catches up.
New Construction
Ground-up construction financing on non-owner-occupied residential builds.
Rental Refinance
Refi capital to cash out a stabilized rental — or take out an existing rehab loan.
Ready to fund this deal?
Send us the basics and we'll come back with a term sheet inside 24 hours.