Fix & Flip
Short-term capital for buying and renovating residential properties for resale.
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Short-term capital for acquiring and renovating residential properties for resale. We fund up to 100% of your rehab budget — reimbursed in 72-hour draws as work completes. No prepayment penalty if you exit faster than projected. Best for residential flippers running 1–4 unit projects with a 6–18 month hold horizon.
Built for the operator borrower.
Residential flippers running 1–4 unit projects on a 6–18 month horizon
Operators who need fast certainty of close on contracted deals
First-time investors with adequate reserves and a clear scope of work
Experienced flippers scaling beyond their existing capital base
What you can expect when we quote.
RATE
8.50 – 10.99%POINTS
1.5 – 3.0 (avg 2.0)LEVERAGE
90% LTV · 75% ARVTERM
12 – 24 monthsA short list of requirements.
LLC, LP, or Corp (no personal-name borrowers)
FICO 660 mid score floor
Adequate cash reserves for closing and contingency
Property types: SFR, condo, townhome, 2–4 unit residential
Contractor licensed in property state where required
Questions we hear most.
We have closed in as few as 3 business days. Typical closings are 5–10 days from a complete file. Speed depends on clear title, an appraisal in-hand, and borrower responsiveness on docs.
Yes — up to 100% of the rehab budget. Funds are released in 72-hour draws after milestone inspections, so cash flow stays aligned with construction progress.
Experienced borrowers get the best terms. First-time flippers are eligible with adequate reserves and a realistic plan. We look for strong deals before strong resumes.
No prepayment penalty on fix & flip loans. Exit faster than projected and the interest savings are yours.