Fix & Flip
Acquisition and renovation capital for operators executing property renovations, repositioning, and resale — with speed to close and rehab budgets built into the loan structure.
Overview
Fix-and-flip financing provides short-term capital for real estate investors who acquire distressed or undervalued properties, renovate them, and sell at a profit. Our fix-and-flip programs include both acquisition and renovation costs in a single loan structure, with draws released as construction milestones are completed. We work with experienced operators and first-time flippers alike, structuring each deal around the property's after-repair value (ARV) and the borrower's execution plan. Available nationwide for single-family, multi-family (2–4 units), townhomes, and condominiums.
Ideal For
- Experienced fix-and-flip operators scaling their portfolio
- First-time investors with a solid renovation plan and contractor team
- Wholesalers transitioning to full renovation and resale
- Investors acquiring properties at auction, foreclosure, or short sale
- Operators executing multiple simultaneous renovation projects
- Real estate investors seeking to build track record for larger deals
Typical Structures & Terms
Flexible structures engineered around your timeline, asset, and exit strategy.
Purchase + Rehab
Single loan covering both acquisition and renovation costs. Rehab funds held in escrow and released in draws as work is completed and inspected.
Delayed Purchase (Seasoning)
Financing for properties recently acquired with cash, allowing investors to pull out capital and fund the renovation phase.
Ground-Up Light Construction
For properties requiring more than cosmetic renovation — including structural work, additions, or conversions — with construction draws and inspections.
Portfolio Fix & Flip
Blanket financing across multiple fix-and-flip properties, allowing experienced operators to leverage their portfolio for better terms and faster execution.
Bridge-to-Flip
Hybrid structure for investors who acquire a property with bridge financing and transition into a renovation phase with additional capital for rehab costs.
Wholesale-to-Flip
Financing for investors who secure properties through wholesale contracts, providing capital to close and renovate in a single transaction.
Execution Process
A clear, structured path from inquiry to funding.
Submit Deal
Provide property address, purchase price, renovation budget, ARV estimate, and your experience level.
Underwriting
Property valuation, scope of work review, contractor verification, and borrower qualification. Typically 3–7 business days.
Closing
Acquisition funding at closing. Rehab funds held in escrow for draw releases as milestones are completed.
Renovation & Sale
Execute your renovation plan. Request draws as work progresses. List and sell the property upon completion.
Exit Strategies
- Property sale after renovation completion (primary exit)
- Refinance into rental financing (DSCR loan) if holding as rental
- Refinance into conventional mortgage after stabilization
- Sale to another investor or wholesale buyer
- Lease-option or rent-to-own arrangement
Compliance & Documentation
- Detailed scope of work and renovation budget required
- Licensed contractor or documented self-performance capability
- Property appraisal (as-is and after-repair value)
- Title insurance and property insurance (builder's risk during renovation)
- Draw inspections at each milestone before fund release
- KYC/AML verification for all borrowers and guarantors
Ready to Apply?
Submit your application and our team will respond within 24–48 hours with next steps.
Start ApplicationSubmit Documents
Upload KYC, financial statements, and supporting materials securely.
Secure Document UploadReady to discuss fix & flip financing?
Schedule a confidential capital call to review your deal, timeline, and exit strategy.
Schedule a Capital CallRegulatory Disclaimer: Real estate financing information provided herein is for informational purposes only and does not constitute a commitment to lend, a loan approval, or a guarantee of financing. All loan applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, RESPA, and the Dodd-Frank Act. Loan terms, rates, and availability are subject to change without notice. Real estate investments involve risk, including the possible loss of principal. Full legal disclosures →