Buy it, fix it, sell it — financed to match the timeline.
Fix-and-flip loans are short-term financing built specifically for investors who purchase, renovate, and resell quickly — covering most of both the purchase price and the rehab costs, not a traditional 30-year structure.
Understanding fix-and-flip loans, before you apply.
Six things worth knowing up front — no fine print you have to dig for.
What This Loan Actually Is
Short-term financing for investors who purchase a property to renovate and resell quickly — designed to cover the cost of repairs and improvements before you sell, not to be held long-term.
Business-Purpose Only
This is strictly a business-purpose, investment loan — it's not intended for personal, family, or household use, and isn't an option for buying your own home.
High Leverage on Both Purchase and Rehab
Financing can cover up to 90% of the purchase price and up to 100% of eligible rehab costs, capped by an overall loan-to-cost limit — meaning you're not funding most of the project out of pocket.
12-Month Term
Built to match a flip timeline, not a traditional mortgage — this is short-term financing by design, meant to be paid off once the property sells.
No Prepayment Penalty
Sell the property and pay off the loan as soon as you're ready — there's no penalty for paying it off early.
A Wide Loan Range
Loans are available from $50K up to $10 million, on 1–4 unit residential properties — this scales from a single small flip to a much larger project.
Estimate Your Max Loan
Enter your purchase price and rehab budget. This shows roughly how much could be financed, based on the purchase, rehab, and overall loan-to-cost limits — and which one ends up being the binding cap.
Estimated Financing
Estimate only, for planning purposes. Actual approved amount depends on the property, your experience, and the after-repair value — I'll walk through your specific deal together. Loans are available from $50K to $10MM.
Fix-and-Flip Myths vs. Facts
Common misconceptions about fix-and-flip financing, corrected one at a time.
Myth: Fix-and-flip loans work like a regular 30-year mortgage
This is just a mortgage with a different name — same long-term structure, same monthly payment plan.
This is short-term financing, typically structured around a 12-month term — built for how quickly a flip timeline moves, not for long-term homeownership.
Myth: You need to cover most of the purchase and repair costs yourself
Investors need significant cash on hand to fund the bulk of the purchase price and renovation before financing kicks in.
Financing can cover up to 90% of the purchase price and up to 100% of eligible rehab costs — meaningfully reducing how much cash you need to bring to the deal.
Frequently asked, honestly answered.
Can I use this loan to buy my own home?
What if my project takes longer than 12 months?
Is there a penalty for paying it off early once I sell?
What property types qualify?
Do I need real estate investing experience to qualify?
Let's talk through your deal.
No pressure, no jargon — just a real conversation about your project.