01
~5 min
Inquiry.
Share the purchase price, construction budget, and exit. Six fields. No credit pull.
Six fields. No credit pull.
Loan Program · Fix-and-Flip
Fund the deal
and the build.
Up to 90% of purchase, up to 100% of construction. Standard 12-month term, with extensions available in select cases.
Rate from
9 %
Starting rate
Purchase LTV
90 %
of purchase price
Construction LTV
100 %
of rehab budget
1–4 unit non-owner-occupied · 45 states · Term sheet in 24 hrs
Who it's for
Investors who are creating value, not just buying it.
Fix-and-Flip works when the borrower has a real value-add thesis — a property worth more at the end of a renovation than at purchase. We lend on that logic.
- Active flippers — operators with a clear renovation scope and an ARV target they can defend.
- Value-add investors on 1–4 unit non-owner-occupied properties looking to resell or refinance into long-term rental.
- First flippers — experience helps but isn't a hard gate. We read the deal.
Terms & eligibility
The real numbers. What your deal gets quoted on.
Rate from
9 %
Starting
Purchase LTV
90 %
of purchase price
Construction LTV
100 %
of rehab budget
Term
12 mo
Standard · extensions in select cases
Loan size
$50K–$3.5M
Per deal
Close in
10 days
As little as · appraisal and title
Rates and terms subject to underwriting. Starting rates subject to upstream-lender licensing confirmation.
How it works
From inquiry to keys. Three steps.
02
< 24 hrs
Term sheet in 24 hours.
Real numbers on rate, LTV, and construction advance. Not a ballpark.
A real person on the other end.
03
~10 days
Close + draw.
Close in as little as 10 days. Construction draws fire off milestone completion.
Wire to closing.
Fix-and-Flip FAQ
Questions flippers actually ask.
Something not here? Start the inquiry and we'll address it on the term sheet. Start an inquiry →
ARV — after-repair value — is the appraised value of the property once the renovation is complete. Because we lend against the deal's potential, not just its acquisition cost, a defensible ARV is what lets us extend 100% of construction.
The hedge is the untapped value the borrower is creating. When the renovated property appraises for meaningfully more than cost, construction dollars are covered by that upside. We underwrite the ARV carefully — that's what makes the 100% math work.
Draws release against the approved construction budget as work completes. Exact milestone structure and inspection cadence are set at term sheet. Mechanics publishing pending.
Most F&F borrowers exit by sale or by refinancing into DSCR rental financing if they're holding the property long-term. Extensions are available in select cases — we'll talk through your exit plan when we size the deal.