Fix and Flip Loans: Complete Financing Guide for House Flippers

What Are Fix and Flip Loans?

Fix and flip loans are short-term financing products specifically designed for real estate investors who purchase distressed properties, renovate them, and resell them for profit. Unlike traditional mortgages meant for long-term ownership, fix and flip loans provide fast funding for both the property purchase and renovation costs, with terms typically lasting 6-18 months.

These loans are structured around the property's after-repair value (ARV)—what the property will be worth after renovations are complete—rather than its current distressed condition. This allows investors to borrow money based on the property's future value, covering both acquisition and renovation expenses in a single loan package.

Typical Structure:

• Term: 6-18 months (12 months most common)
• Funding: Purchase price + renovation budget
• Payments: Interest-only monthly payments
• Exit: Property sale pays off loan (balloon payment)
• LTV: 85-90% of purchase price, 65-75% of ARV

Example:

• Purchase price: $150,000
• Renovation budget: $50,000
• After-repair value (ARV): $280,000
• Loan: $150,000 (purchase) + $50,000 (rehab) = $200,000 total
• Exit: Sell for $280,000, pay off $200,000 loan, net $80,000 (minus costs)

Types of Fix and Flip Financing

Hard Money Loans

The most common fix and flip financing:

Characteristics:

• Speed: Close in 7-14 days
• Approval: Asset-based (property value, not credit)
• Terms: 6-24 months
• Rates: 8-15% interest
• Points: 2-5 points (1 point = 1% of loan amount)
• LTV: 85-90% of purchase, 65-75% of ARV

Best For:

• Experienced flippers who need speed
• Properties that won't qualify for traditional financing
• Competitive markets requiring fast closes
• Time-sensitive auction purchases

Learn more: Hard Money Loans Complete Guide

Private Money Loans

Funding from individual investors or private sources:

Characteristics:

• Speed: 5-14 days (faster than hard money)
• Approval: Relationship-based, flexible terms
• Terms: Negotiable (typically 6-18 months)
• Rates: 8-12% (negotiable)
• Points: 0-5 points (negotiable)
• LTV: Highly negotiable

Best For:

• Established flippers with investor relationships
• Creative deal structures
• When flexibility matters more than standardization
• Building long-term lending relationships

Business Lines of Credit

Revolving credit for experienced flippers:

Characteristics:

• Speed: Once established, instant access
• Approval: Based on business track record
• Terms: Revolving (draw as needed)
• Rates: 7-12%
• Structure: Draw for purchase and rehab
• LTV: Varies

Best For:

• Serial flippers doing multiple projects
• Proven track record of successful flips
• Predictable exit timelines
• Lower cost than hard money for each deal

Fix-and-Flip Specific Lenders

Specialized lenders focusing exclusively on flips:

Characteristics:

• Speed: 10-21 days
• Approval: Combination of credit and asset value
• Terms: 12-18 months
• Rates: 8-13%
• Points: 0-3 points
• LTV: 90% of purchase, 70% of ARV

Best For:

• First-time flippers (some programs for beginners)
• Standardized loan structure
• Draw schedules built-in
• Predictable terms and processes

HomeStyle Renovation Loans (Conventional)

FHA 203(k) and conventional renovation loans:

Characteristics:

• Speed: 45-60 days (much slower)
• Approval: Traditional credit/income verification
• Terms: 30-year mortgage
• Rates: 6-8% (lowest rates)
• Points: Minimal
• LTV: Up to 97% (FHA)

Best For:

• Owner-occupants planning to live in property
• Longer timeline flips (live-in flip strategy)
• When qualification is easy but speed isn't critical
• Lowest cost financing option

How Fix and Flip Loans Work

The Draw Schedule System

Most fix and flip loans don't give you all the renovation money upfront. Instead, they release funds in stages as work is completed:

Typical Draw Structure:

Initial Draw (10-20% at closing):

• Released immediately at purchase
• Used to start demolition and initial work
• Gets project moving quickly

Structural Draw (25-30% of rehab budget):

• Released when framing, foundation, structural work complete
• Usually requires inspection
• Triggered: Roof, framing, major structural repairs finished

Mechanical Systems Draw (25-30% of rehab budget):

• Released when mechanicals are complete
• Inspection required
• Triggered: Electrical, plumbing, HVAC, rough-ins finished

Finishes Draw (20-25% of rehab budget):

• Released when interior finishes installed
• Inspection required
• Triggered: Flooring, cabinets, countertops, fixtures, paint complete

Final Draw (15-20% of rehab budget):

• Released when project 100% complete
• Final inspection required
• Triggered: Certificate of occupancy, all punch-list items complete

Example Draw Schedule:

Renovation Budget: $60,000

• At Closing: $6,000 (10%)
• Structural Complete: $18,000 (30%)
• Mechanicals Complete: $18,000 (30%)
• Finishes Complete: $12,000 (20%)
• Final Completion: $6,000 (10%)

Purpose of Draw System:

• Protects lender from funding abandoned projects
• Ensures work is actually being completed
• Reduces investor's out-of-pocket carrying costs
• Creates accountability and milestones

Loan-to-Value (LTV) and Loan-to-Cost (LTC)

Fix and flip lenders use two key ratios:

Loan-to-Value (LTV) - Based on Purchase:

LTV = Loan Amount ÷ Purchase Price

Most lenders offer 85-90% LTV on purchase:

• Purchase price: $120,000
• 90% LTV: $108,000 loan
• Your down payment: $12,000

After-Repair Value (ARV) Ratio:

ARV Ratio = Total Loan ÷ After-Repair Value

Most lenders limit total loan to 65-75% of ARV:

• ARV: $250,000
• 70% ARV: $175,000 max total loan
• Purchase: $120,000 + Rehab: $55,000 = $175,000 total
• Loan structure: $108,000 (purchase at 90% LTV) + $55,000 (rehab) + $12,000 (your cash) = $175,000

Loan-to-Cost (LTC):

LTC = Loan Amount ÷ Total Project Cost

Some lenders use LTC instead:

• Total cost: $120,000 (purchase) + $50,000 (rehab) = $170,000
• 85% LTC: $144,500 loan
• Your investment: $25,500

Interest Rates and Points

Fix and flip loans cost more than traditional mortgages:

Interest Rates:

• Hard money: 9-15% annually
• Private money: 8-12% (negotiable)
• Business credit lines: 7-12%
• Fix-and-flip specialists: 8-13%

Interest is typically interest-only monthly payments:

• $200,000 loan at 12% = $2,000/month interest
• No principal paydown during term
• Full balance due at end

Points (Origination Fees): "Points" are upfront fees charged as percentage of loan amount:

• 2 points = 2% of loan amount
• $200,000 loan × 2% = $4,000 due at closing

Typical Point Structure:

• Hard money: 2-5 points
• Private money: 0-3 points (negotiable)
• Business lines: 0-2 points
• Fix-and-flip specialists: 1-3 points

Total Cost Example:

$200,000 loan

• Interest rate: 12%
• Term: 12 months
• Points: 3 points ($6,000)

First-Year Costs:

• Points at closing: $6,000
• Interest (12 months): $24,000
• Total cost: $30,000 (15% effective annual cost)

This seems expensive, but remember:

• It's short-term (6-12 months, not 30 years)
• Speed enables deals that produce $50,000+ profit
• Asset-based approval when traditional financing won't work

Property Eligibility

Fix and flip lenders typically fund:

Property Types:

• Single-family homes
• Condos (warrantable, not in litigation)
• Townhomes
• 2-4 unit small multifamily
• Mixed-use properties (residential with commercial)

Property Conditions:

• Distressed properties (major repairs needed)
• Foreclosures and REO properties
• Auction properties
• Estate sales "as-is" properties
• Outdated properties requiring modernization
• Properties with code violations (that can be fixed)

Usually NOT Funded:

• Owner-occupied primary residences
• Properties with major foundation issues (unless experienced investor)
• Properties in severe decline areas with falling values
• Mobile homes
• Properties with title issues
• Teardowns (land only)

Fix and Flip Loan Requirements

For the Borrower

Credit Score:

• Hard money minimum: 600-650
• Private money: Negotiable (relationship-based)
• Fix-and-flip specialists: 640-680
• Better rates: 700+

Experience:

• First flip: Higher rates, more restrictions, may require mentor/contractor
• 1-3 flips: Standard terms
• 4+ flips: Best rates, higher LTV options, faster approval

Down Payment/Skin in the Game:

• Typical: 10-25% of total project cost
• First-time flippers: 20-30%
• Experienced flippers: 10-15%
• Purpose: Ensures investor has commitment to project

Reserves:

• 3-6 months of payments reserved
• $200,000 loan at 12% = $2,000/month × 6 = $12,000 reserves
• Some lenders require reserves equal to full interest cost

Exit Strategy:

• Clear plan for selling property
• Comparable sales supporting ARV
• Realistic timeline for completion and sale
• Backup exit strategy (rental, refinance) if sale takes longer

For the Property

After-Repair Value (ARV) Documentation:

• Comparable sales within 1 mile, sold within 6 months
• Properties of similar size, condition, features
• Adjustments for property differences
• Conservative ARV estimates (don't overestimate)

Scope of Work:

• Detailed renovation budget and timeline
• Contractor estimates or bids
• Material costs
• Labor costs
• Permits and inspection fees
• Timeline: Start date, milestone dates, completion date

Property Appraisal:

• "As-is" value (current condition)
• After-repair value (ARV)
• Based on comparable sales
• Some lenders require licensed appraiser, others accept BPO (Broker Price Opinion)

Purchase Contract:

• Signed agreement with seller
• Purchase price
• Closing date
• Contingencies (or lack thereof for cash offers)

Calculate Your Fix and Flip Profit

The 70% Rule

Common rule of thumb for evaluating flip deals:

Formula:

Maximum Purchase Price = (ARV × 0.70) - Renovation Costs

The 70% rule ensures you don't overpay and have enough margin for:

• Holding costs
• Financing costs
• Selling costs
• Unexpected overruns
• Profit

Example:

• ARV: $300,000
• Renovation costs: $50,000
• Maximum purchase price: ($300,000 × 0.70) - $50,000 = $160,000

If you can buy for $160,000 or less, the deal likely works.

Why 70%?

• 10%: Holding costs, financing, unexpected expenses
• 10%: Selling costs (realtor commissions, closing costs)
• 10%: Minimum profit margin
• Total: 30% buffer

Detailed Profit Calculation

For accurate analysis, calculate all costs:

Revenue:

• After-Repair Value (ARV): $280,000

Costs:

Acquisition Costs:

• Purchase price: $150,000
• Closing costs (3%): $4,500
• Subtotal: $154,500

Financing Costs:

• Loan amount: $180,000
• Points (3%): $5,400
• Interest (12 months at 12%): $21,600
• Subtotal: $27,000

Renovation Costs:

• Planned renovations: $50,000
• Contingency (10%): $5,000
• Subtotal: $55,000

Holding Costs:

• Property taxes (12 months): $3,000
• Insurance (12 months): $1,200
• Utilities (12 months): $2,400
• Subtotal: $6,600

Selling Costs:

• Realtor commission (6%): $16,800
• Closing costs (1%): $2,800
• Staging: $2,000
• Subtotal: $21,600

Total Costs: $264,700

Net Profit: $280,000 - $264,700 = $15,300

ROI Calculation:

• Cash invested: $30,000 (down payment + closing + reserves)
• Profit: $15,300
• ROI: $15,300 ÷ $30,000 = 51% return
• Time: 12 months = 51% annualized return

Use our calculator to model your deal:

Hard Money Fix & Flip Calculator - Calculate your projected profit and ROI

Common Cost Mistakes

Mistake 1: Underestimating Renovation Costs

• Always add 10-20% contingency
• Get multiple contractor bids
• Account for permit fees
• Include carrying costs during delays

Mistake 2: Ignoring Holding Costs

• Financing interest adds up monthly
• Property taxes don't stop
• Insurance required throughout
• Utilities during renovation
• HOA fees if applicable

Mistake 3: Unrealistic ARV

• Use conservative comps
• Don't assume peak market prices
• Account for market changes during project
• Avoid over-improving for the neighborhood

Mistake 4: Forgetting Selling Costs

• 6% realtor commission is standard
• Closing costs: 1-2% of sale price
• Potential buyer credits or repairs
• Staging and photography costs

Fix and Flip Financing Strategies

Strategy 1: The Partner Stack

Use multiple funding sources for single deals:

Example Structure:

• Your cash: $15,000 (10%)
• Private money: $30,000 (20%)
• Hard money loan: $105,000 (70%)
• Total project cost: $150,000

Benefits:

• Reduces amount of hard money needed (lower interest costs)
• Private money can be flexible (interest-only, no points, or equity share)
• Your cash provides skin in the game
• Can do larger projects with less capital

Strategy 2: The Revolving Credit Model

Establish business line of credit for multiple flips:

Structure:

• $250,000 business line of credit
• Interest-only on drawn amounts
• Replenish as properties sell

Workflow:

• Property 1: Draw $150,000, renovate, sell, repay $150,000
• Property 2: Draw $180,000, renovate, sell, repay $180,000
• Property 3: Draw $200,000, renovate, sell, repay $200,000

Benefits:

• No points paid on each deal
• Faster access to capital (pre-approved)
• Lower interest rates than hard money
• Scale efficiently

Requirements:

• Strong track record (3+ successful flips)
• Good credit (700+)
• Proven exit strategy
• Business entity (LLC or S-Corp)

Strategy 3: The Private Money Network

Build relationships with private investors:

How to Find Private Investors:

• Real estate investment clubs (REIAs)
• Business networking groups
• Colleagues and friends
• Online investor platforms
• Successful first flip creates track record

Typical Private Money Terms:

• Interest: 8-12%
• Points: 0-2
• Term: Flexible (6-24 months)
• LTV: Negotiable

Structuring Private Money Deals:

Option 1: Straight Interest

• 10% interest-only monthly
• 2 points upfront
• 12-month term

Option 2: Equity Share

• No interest or points
• Investor gets 30-50% of profit
• Good for first deal with no track record

Option 3: Preferred Return

• Investor gets 12% preferred return first
• Remaining profit split 50/50
• Aligns incentives

Strategy 4: The Speed Close Advantage

Use hard money to win deals in competitive markets:

Scenario:

• Desirable flip property hits market
• Multiple offers expected
• Seller wants fast close

Strategy:

• Make all-cash offer (using hard money)
• 7-10 day close
• No financing contingency
• Win deal over conventional-financed buyers

After Winning:

• Close with hard money
• Begin renovations immediately
• Refinance to lower-rate option if hold time extends
• Speed-to-market advantage justifies higher hard money costs

Strategy 5: The Live-In Flip

Use owner-occupant financing for lower costs:

Structure:

• Purchase with FHA 203(k) or HomeStyle renovation loan
• 3.5-5% down payment
• 6-7% interest rate (much lower than fix-and-flip loans)
• Live in property during and after renovation (1+ year)
• Sell after 1-2 years

Benefits:

• Lowest financing costs
• Minimal down payment
• Long timeline (not rushed flip)
• Capital gains exclusion if live in 2+ years ($250k individual, $500k married)

Drawbacks:

• Must actually live in property
• Slower timeline (can't flip immediately)
• Only works for one property at a time
• 45-60 day close (not competitive for quick closes)

Finding Fix and Flip Lenders

Hard Money Lenders

How to Find:

• Google "hard money lenders [your city/state]"
• Real estate investment association (REIA) sponsors
• Referrals from other investors
• Wholesalers and turnkey providers often have relationships
• Real estate attorneys

Questions to Ask:

• What's your interest rate and points?
• What LTV do you offer (purchase and ARV)?
• What's your typical closing timeline?
• Do you have a draw schedule? How does it work?
• Are there prepayment penalties?
• What areas do you lend in?
• What's your minimum and maximum loan amount?
• Do you lend to first-time flippers?

Private Money Sources

Where to Find:

• Local real estate investment clubs (REIAs)
• Chamber of commerce and business networking groups
• LinkedIn and social media
• Family and friends (with proper documentation)
• Doctors, attorneys, business owners looking for investment returns

Structuring Private Money:

• Always use promissory note and deed of trust/mortgage
• Record lien at county recorder
• Provide regular updates on project progress
• Pay interest on time (builds trust for future deals)
• Clearly communicate risks

National Fix-and-Flip Lenders

Several companies specialize in fix-and-flip financing nationwide:

Benefits:

• Standardized processes
• Online application
• Fast approval decisions
• Experience with flippers
• May accept first-time flippers

Examples of Fix-and-Flip Lenders:

• Lima One Capital
• Anchor Loans
• RCN Capital
• Kiavi (formerly LendingHome)
• CoreVest

Local Portfolio Lenders

Some community banks and credit unions offer fix-and-flip programs:

Benefits:

• Relationship-based lending
• Potentially better rates
• Local market knowledge
• Flexibility

Approach:

• Visit local banks
• Ask for commercial lending or investment property department
• Build relationship before needing loan
• Bring professional presentation of your project

Our Network

EDP Realty maintains relationships with vetted fix-and-flip lenders:

• Experience with flippers at all levels
• Competitive rates and terms
• Reliable closing timelines
• Draw schedule management

Need Fix-and-Flip Lender Connections? Request Lender Information - We'll connect you with qualified lenders who specialize in fix-and-flip financing

Common Fix and Flip Mistakes

Mistake 1: Overimproving for the Neighborhood

Problem: Installing high-end finishes in moderate-price neighborhood

Example:

• Neighborhood ARV range: $200,000-$220,000
• Investor installs granite counters, hardwood floors, high-end appliances
• ARV: $225,000 (only $5,000 above market)
• Cost of high-end finishes: $20,000 more than standard
• Lost profit: $15,000

Solution:

• Match finishes to neighborhood
• Review comps carefully for standard finishes
• Don't improve beyond what market supports
• Good, clean, functional beats luxury in wrong neighborhood

Mistake 2: Underestimating Timeline

Problem: Thinking a flip will take 3 months when it takes 8 months

Impact:

• Interest-only payments continue: 5 extra months × $2,000 = $10,000
• Property taxes, insurance, utilities continue
• Market conditions can change
• Opportunity cost (can't start next project)

Solution:

• Add 50% buffer to contractor timelines
• Account for permit delays
• Expect unexpected issues (foundation, electrical, plumbing surprises)
• Build realistic timeline into budget

Mistake 3: Inadequate Renovation Budget

Problem: Budgeting $40,000 but project actually costs $55,000

Impact:

• Out-of-pocket cash needed to complete
• Project stops mid-renovation (can't get next draw without completion)
• Property sits incomplete (holding costs mount)
• Forced to sell as-is (big loss) or find emergency capital

Solution:

• Get multiple contractor bids
• Add 15-20% contingency to budget
• Include soft costs (permits, inspections, dumpster, utilities)
• Walk property thoroughly with experienced contractor
• Review comparable renovation costs in area

Mistake 4: Poor ARV Estimation

Problem: Assuming property will sell for $300,000 when market supports $265,000

Impact:

• Expected profit: $40,000
• Actual profit: $5,000 (or loss)
• Can't sell at expected price
• Forced to drop price, eroding profit

Solution:

• Use conservative comps (sold within 6 months, within 1 mile, similar condition)
• Don't use list prices (use sold prices)
• Adjust for differences (pool, garage, square footage, lot size)
• Get professional appraisal if unsure
• Market can change during flip (add buffer)

Mistake 5: Ignoring Market Timing

Problem: Starting flip in November, completing in February (slow selling season)

Impact:

• Properties sit longer in winter
• Buyers less active in cold months
• Additional holding costs mount
• Lower offers from fewer buyers

Solution:

• Time flips to complete in spring (March-June best selling months)
• If completing in winter, account for longer hold time
• Price aggressively to sell in off-season
• Consider holding as rental until spring if needed

Mistake 6: No Exit Strategy Backup Plan

Problem: Plan to sell in 6 months, but market slows or property doesn't sell

Impact:

• Hard money loan matures (balloon payment due)
• No way to pay off loan without sale
• Forced distress sale
• Potential foreclosure

Solution:

• Always have backup plan
• Can property be rented if it doesn't sell? (Calculate rental income)
• Can you refinance into long-term loan?
• Do you have reserves to extend hard money?
• Is property livable to wait for better market?

Related Financing Options

Explore other financing options that might work for your situation:

• Fix and Flip Loans in Evansville, IN: Complete Financing Guide - Master fix and flip financing: learn about loan options, renovation draws, profit calculations, and ...
• Hard Money Loans: Complete Guide for Real Estate Investors - Learn everything about hard money loans: when to use them, qualification requirements, costs, and ho...
• Bank Statement Loans: Complete Guide for Self-Employed Borrowers - Discover how self-employed borrowers can qualify for mortgages using bank statements instead of tax ...

Next Steps

Ready to finance your fix and flip project?

1. Evaluate Your Deal

Property Analysis:

• ARV: $________
• Purchase price: $________
• Renovation budget: $________
• Total costs (including financing, holding, selling): $________
• Projected profit: $________
• ROI: $________

Run the 70% Rule:

• Maximum purchase price: (ARV × 0.70) - Renovation costs = $________
• Does your deal meet the 70% rule?

Use our calculator:

Hard Money Fix & Flip Calculator - Model your complete deal with all costs

2. Build Your Team

Essential Team Members:

• General contractor: Licensed, insured, experienced with investment properties
• Real estate agent: Investor-focused, understands ARV and comps
• Lender: Hard money, private money, or line of credit
• Real estate attorney: Review contracts, handle closing
• Inspector: Pre-purchase inspection to verify renovation budget
• Appraiser: Confirm ARV estimates

3. Get Pre-Approved

Before house hunting:

• Contact 3-5 fix-and-flip lenders
• Compare rates, points, LTV, draw schedules
• Get pre-approval letter
• Understand closing timeline and requirements
• Verify you can meet reserve requirements

4. Prepare Documentation

For Lender:

• Credit report authorization
• Proof of down payment funds
• Resume of experience (if applicable)
• Comparable sales for ARV
• Scope of work and renovation budget
• Exit strategy

For Contractors:

• Detailed scope of work for bidding
• Plans or sketches for major work
• Timeline expectations
• Payment schedule (tied to draws)
• Insurance requirements

5. Execute Your First (or Next) Flip

Purchase Phase:

• Close quickly (7-14 days with hard money)
• Transfer utilities
• Secure property (change locks, winterize if needed)
• Order dumpster

Renovation Phase:

• Pull permits immediately
• Follow draw schedule
• Document all work (photos before/during/after)
• Stay on budget and timeline
• Communicate with lender regularly

Selling Phase:

• Professional photography
• Stage property
• Price based on current comps (not old comps from purchase)
• Market aggressively
• Be ready to negotiate

Ready to Finance Your Fix and Flip? Connect with Lenders - Our team can help you find the right financing for your house flipping project

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Frequently Asked Questions

Q: Can I get a fix-and-flip loan with no experience? A: Yes, though terms will be more conservative. Expect higher down payment (25-30%), higher rates, and possibly requirement to partner with experienced contractor or investor. Some lenders won't fund first-time flippers without mentor.

Q: How long does it take to close a fix-and-flip loan? A: Hard money: 7-14 days. Private money: 5-10 days. Fix-and-flip specialists: 10-21 days. Traditional renovation loans: 45-60 days.

Q: What happens if I go over budget on renovations? A: You'll need to bring additional cash to complete the project. This is why 15-20% contingency is critical. Some lenders may approve additional funding mid-project if ARV supports it, but don't count on it.

Q: Can I live in the property while flipping it? A: Most hard money loans require property to be investment property, not owner-occupied. For live-in flips, use FHA 203(k) or HomeStyle renovation loans instead (much lower rates but longer timelines).

Q: What if the property doesn't sell when the loan matures? A: Options include: (1) Extend the hard money loan (additional fees), (2) Refinance to long-term rental loan, (3) Rent the property temporarily, (4) Bring your own cash to pay off loan, (5) Reduce price for quick sale. Always have backup exit strategy.

Q: Can I use a fix-and-flip loan for multiple properties at once? A: Yes, if you have enough capital and reserves. Each property requires separate loan (unless doing portfolio approach). Many investors run 2-5 simultaneous flips with multiple hard money loans.

Q: Are fix-and-flip loan interest payments tax deductible? A: Generally yes, as business expense. Consult tax professional, but financing costs for investment properties are typically deductible business expenses.

Q: What credit score do I need for fix-and-flip financing? A: Minimum 600-650 for hard money, though lower is possible with higher down payment. 680-700+ gets best rates. Some private money doesn't check credit at all (relationship-based).

Q: Do I need an LLC or corporation to flip houses? A: Not required, but recommended for liability protection. Many experienced flippers use LLC. Some lenders prefer lending to entities rather than individuals. Consult attorney and CPA on best structure.

Q: How much money do I need to start flipping houses? A: Minimum $25,000-$50,000 for first flip (down payment, closing costs, reserves, contingency). More capital allows more flexibility and multiple projects. Some creative investors start with less using 100% financing from private money partners.

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Fix and flip financing enables real estate investors to purchase and renovate distressed properties for profit. While these loans carry higher interest rates and fees than traditional mortgages, the speed, flexibility, and asset-based approval make them essential tools for house flippers. By understanding draw schedules, accurately calculating costs, and maintaining conservative profit margins, investors can successfully leverage fix-and-flip loans to build wealth through real estate.

Ready to finance your next flip? Our lending specialists can connect you with qualified fix-and-flip lenders who understand your business. Get started today.