Fix and flip lending is asset-based and speed-driven. The lender funds a portion of your purchase and holds back the renovation budget, releasing it in draws as work is completed and inspected. Underwriting focuses on the after-repair value and your track record, not your pay stubs.
First-time flippers are financeable, but expect lower leverage and more reserves. The single best thing you can bring to the table is a clean, itemized scope of work.
After-repair value drives everything on a flip. Enter your numbers and see what a lender will fund, what you bring to closing, and whether the offer you are about to write actually leaves you a margin.
The 70% rule says do not pay more than 70 percent of ARV minus your renovation budget. It is a screen, not a law. Estimates only, not a quote or a commitment to lend.
Send us the scenario and we will tell you honestly whether it works, and which lender is the right home for it.
Buying the next one. Which program fits, how much you put down, and how fast you can close.
Qualify on your rental property's income, not your tax returns or W-2s.
Multifamily, mixed-use, office, retail, and industrial investment property loans.
One loan across multiple doors. Consolidate a rental portfolio into a single closing and payment.
DSCR financing structured around short-term rental income.
Twelve or twenty-four months of deposits qualify self-employed borrowers.
Replace your existing loan with better terms. No cash out, better pricing.
Pull equity out of an investment property to fund your next acquisition.
Asset-based lending when speed matters more than conventional timelines.
Acquisition financing for raw land, entitled lots, land banking, and agricultural acreage.
Build new from the dirt up. Terms for first-time investors and seasoned builders.
Apartment buildings with 5 or more units, value-add or stabilized.
Purchase, refinance, expand or build for your church or ministry.
Invest in U.S. property without a Social Security number or U.S. credit.
Up to 90 percent of the purchase price and 100 percent of the renovation budget, with the total sized against the after repair value rather than what you are paying today.
After repair value is what the property will be worth once the work is finished. Fix and flip loans are sized against that number, which is why an accurate ARV matters more than the purchase price when you are working out what you can borrow.
No. These are business purpose loans underwritten on the project and the property. Your personal income documentation is not the deciding factor.
Yes. Experience improves your terms and can raise how much of the purchase is covered, but first projects are financed regularly.