Fix and Flip Loans — Fast Hard Money Financing for Real Estate Investors
Fix and flip loans are short-term hard money loans designed for real estate investors who purchase distressed or undervalued properties, renovate them, and sell for a profit. Unlike conventional mortgages, fix-and-flip financing is asset-based — meaning your approval is driven by the property's After-Repair Value (ARV) and the strength of your deal, not just your personal income or credit score.
What Are Fix and Flip Loans?
A fix and flip loan — also called a rehab loan or hard money flip loan — provides short-term capital to cover both the acquisition cost and renovation budget for an investment property. These loans are typically structured as interest-only bridge products with terms ranging from 6 to 18 months, giving investors the flexibility to complete renovations and sell without the pressure of a fully amortizing payment.
Our fix-and-flip financing is structured around ARV, so experienced investors can access higher leverage on deals where the renovated value clearly supports it. We fund single-family homes, 2–4 unit properties, and small multifamily rehab projects.
Why Investors Choose Our Fix-and-Flip Financing
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Rates from 7.99%–15% — competitive hard money pricing for experienced flippers
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Asset-based underwriting — we focus on the deal, not your W-2
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Fast closings — many deals fund in 7–14 days for qualified borrowers
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Interest-only payments — maximize monthly cash flow during the rehab
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ARV-driven leverage — borrow based on what the property will be worth after repairs
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Flexible credit overlays — bad credit loans available for experienced investors
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Low documentation — streamlined process with minimal paperwork
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Responsive draw schedules — access renovation funds quickly as work progresses
Fix and Flip Loan Terms & Rates
Our hard money fix-and-flip loans are priced competitively to give investors the margin they need on each deal. Rates and terms are customized based on experience level, property type, LTV/LTC, and deal strength.
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Interest Rates: 7.99% – 15%
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Loan Terms: 6–18 months (extensions available)
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Loan-to-Cost (LTC): Up to 90% of purchase + rehab costs
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After-Repair Value (ARV): Typically up to 70–75% of ARV
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Points: 1–3 points depending on deal and borrower profile
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Payment Structure: Interest-only monthly payments
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Prepayment: Flexible — no or limited prepayment penalties
How LTC and LTV Work in Fix-and-Flip Lending
Loan-to-Cost (LTC) compares your loan amount to the total project cost (purchase price + rehab budget). Loan-to-Value (LTV) compares your loan to the current as-is value. ARV lending goes a step further — it calculates your loan as a percentage of the completed, renovated property value.
The Fix-and-Flip Loan Process
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Step 1: Submit deal details — purchase price, rehab budget, ARV estimate, and exit strategy
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Step 2: Receive a same-day or next-day term sheet with indicative rates and leverage
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Step 3: Property appraisal or BPO ordered to confirm ARV
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Step 4: Loan documents prepared and signed
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Step 5: Close and fund — capital disbursed for acquisition
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Step 6: Draw requests approved as renovation milestones are completed
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Step 7: Sell the property, repay the loan, capture your profit
Who Qualifies for Fix-and-Flip Hard Money Loans?
Our fix-and-flip loans are designed for real estate investors — both experienced flippers and newer investors with strong deals. We evaluate borrowers on deal quality, property location, rehab scope, and exit strategy rather than relying solely on traditional credit metrics.
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Experienced fix-and-flip investors with a track record of successful projects
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New investors with a strong deal, clear scope of work, and qualified contractors
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Investors with non-traditional income or self-employment
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Borrowers with past credit challenges seeking flexible underwriting
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Real estate wholesalers transitioning to fix-and-flip investing
Fix and Flip FAQ
What rates do you offer on fix and flip loans?
Our fix-and-flip loan rates range from 7.99% to 15%, depending on deal quality, LTV/ARV, borrower experience, and property location. Strong deals with experienced investors can qualify for our most competitive rates.
How fast can you close a fix-and-flip loan?
Many of our hard money fix-and-flip loans close in 7–14 business days for prepared borrowers. We've closed deals in as few as 3–5 days for repeat investors with complete documentation.
Do you require a minimum credit score?
We do not have a hard minimum credit score requirement for fix-and-flip loans. Our underwriting is asset-based and deal-driven. Experienced investors with lower credit scores may still qualify — contact our team to discuss your specific situation.
What types of properties do you finance?
We fund fix-and-flip loans on single-family residential properties, 2–4 unit residential, small multifamily (5–20 units), and mixed-use properties. Contact us about larger or commercial rehab projects.