Fix & Flip / Residential
Fuel your renovation projects with Bridge Loans designed for maximum capital efficiency and quick turnarounds. Our Fix & Flip Loans offer short-term cycles, typically ranging from 6 to 24 months, allowing for swift financing solutions. The payment structure features interest-only payments to keep costs low during the hold period. These loans can cover 100% of rehab costs, providing ideal funding scope. Max leverage can reach up to 100%* of the purchase price plus 100% of renovation costs, capped at 75% of the After-Repair Value. This financing is perfect for residential flippers needing speed, simplicity, and complete project financing, including options like DSCR Rental Loans and Rental Portfolio Loans for those looking to expand their investment strategies.
LTV
Up to 95% of the Purchase Price + 100% of the Renovation Cost. Not to Exceed 75% of the ARV.
Minimum ARV
$100k for Single Family & 2 – 4 Units | $375k for 5+ Units / Mixed-Use
Term
12-18 Months
Loan Amount
$50k – $2M for Single Family & 2 – 4 Units | $250k – $3M for 5+ Units / Mixed-Use
Popular Questions
Find clear answers to your most pressing lending questions. From documentation checklists to rehab draw schedules, we provide the transparency you need to close your next investment project with confidence.
What is a Fix and Flip loan?
A fix-and-flip loan provides the short-term capital real estate investors need to acquire and renovate distressed properties for resale. These asset-based loans typically fund both the acquisition and the construction budget, with the balance being settled once the project is sold or transitioned into long-term financing.
How much can I borrow?
Our funding structure is designed to maximize your leverage based on the project’s potential! Acquisition: Financing for up to 85–90% of the purchase price. Renovation: Coverage for up to 100% of the rehab budget. Lending Limit: Total loan amounts typically do not exceed 70–75% of the After-Repair Value (ARV). We prioritize the strength of the asset—no tax returns or W-2s are required for qualification.
Do I need experience to get a Fix and Flip loan?
Whether you’re a seasoned pro or launching your very first flip, we’re here to fuel your vision. We prioritize a solid project roadmap and strong numbers over a long resume. First-time investors are always welcome; we simply require a licensed general contractor for major structural overhauls to ensure the project stays on track.
Can I roll rehab costs into the loan?
Yes. We fund up to 100% of your construction budget, released in stages as work is completed and inspected. This draw-based system preserves your cash flow, requiring only minimal initial capital to kickstart the project before your first draw is released.
How much down payment do I need?
Keep more of your cash working for you with our aggressive leverage options. While most investors bring a 10–15% down payment, we can fund up to 90% of the purchase and the entire construction budget. Our goal is to keep your total financing under 75% of the project's finished value. Beyond the initial down payment, plan to cover: Transaction & Closing Fees. Potential Interest Reserves (deal-dependent). Initial Rehab Outlay to trigger your first inspection and draw. We’ll walk you through the numbers early so you can move forward with confidence.
What documents do I need to get started with a Fix and Flip loan?
We focus on the value of the property, not your personal paperwork. To get started, we typically only need: Executed Purchase Contract Detailed Rehab Budget or Scope of Work Entity Documents (LLC Articles of Incorporation, Operating Agreement, and EIN) Government-Issued ID (Front and back of your Driver’s License) Proof of Funds (Bank statements from the last two months showing liquidity for the down payment and initial rehab phases) Note on Documentation: While our standard process is asset-based and requires no tax returns or W-2s, certain specialized deal structures or high-leverage requests may occasionally require supplemental income info to secure the best possible terms."
How fast can you close?
Our internal systems are built for speed, allowing us to close in as little as 7–10 business days. The timeline is primarily driven by the speed of document submission—once we have your information, we move immediately to get your project funded without unnecessary delays.