Speed when speed
is the whole deal.
Fix & flip loans are short-term bridge financing for acquisition plus renovation. The deal qualifies on its own merit — the purchase price, the scope of work, the after-repair value — not on a 90-day income trail. Typical close is 7–14 days. For a flipper, that's the difference between getting the deal and losing it.
One loan, two phases
Fix & flip loans usually combine acquisition financing with renovation reserves. You close on the property, then draw rehab funds against a documented scope of work as the project hits inspection milestones.
- Acquisition financing — up to 90% of purchase price
- Rehab funds — 100% of approved scope, released in draws
- One loan, one closing, one set of fees
- Term length matches your project timeline
Lenders use whichever number is lower. We'll run both on the call so you know what's actually fundable before you make an offer.
Who fix & flip is for
- Active rehabbers and flippers
- BRRRR investors (Buy, Rehab, Rent, Refi, Repeat)
- Investors with a deal under contract on a tight timeline
- First-time flippers with a real contractor and a real scope
- Investors buying at auction or off-market
Who it isn't for
- Owner-occupied projects (we don't lend on primaries)
- Cosmetic-only purchases with no real value-add
- Investors without a scope of work or contractor relationship
- Deals priced at retail with no margin for the lender's exit risk
Common fix & flip terms
First-time flippers can qualify with the right lender and a qualified contractor. Experienced rehabbers see better leverage and pricing.
To package a fix & flip deal
- Purchase contract or accepted LOI
- Scope of work with line-item budget
- ARV evidence (broker opinion, recent comps)
- Contractor name and license info
- Borrower experience — prior projects, even one
- Credit (soft pull for evaluation)
- Liquidity / reserves documentation
- Exit strategy — sell or refi to DSCR
Deal under contract?
Bring the scope and the numbers. We'll tell you how fast it can close.