Fix, flip, and keep the deal moving.
Fix-and-flip financing is short-term, business-purpose capital for acquiring and renovating eligible investment property. Underwriting centers on the purchase, approved rehab scope, after-repair value (ARV), borrower experience, liquidity, and a credible exit.
Where this path can make sense.
✓ Time-sensitive acquisition and renovation projects
✓ Light, moderate, or heavy rehab when supported by the budget
✓ Sell after completion or refinance into rental financing
What lenders will pressure-test.
- Loan-to-cost (LTC) and loan-to-ARV
- Detailed scope, contractor, permits, and contingency
- Track record, credit, liquidity, and required cash to close
- Draw process, interest calculation, term, extension, and exit
Program availability and terms vary by lender, state, borrower, property, business, and transaction. No scenario is approved from website information alone.
Fast answers before you apply.
How do rehab draws work?
Rehab funds are commonly held back and released after documented work, inspection, and approval. Timing and process vary by lender.
Can a first-time flipper qualify?
Some lenders consider first-time investors, often with lower leverage, stronger liquidity, an experienced contractor, or other compensating factors.
What is ARV?
After-repair value is the appraiser-supported estimated value after the approved renovation is complete. It is not the same as the investor’s projected sale price.
Can a flip become a rental?
Potentially. A refinance into DSCR or other rental financing depends on completed work, value, rent, seasoning, leverage, credit, and the takeout lender’s rules.
Get a clear read on the next financing step.
Tell us what you are funding and where the deal stands. We’ll use the details to identify the most relevant path; every option remains subject to lender approval.