Transform Properties, Build Profits Cascara's Fix & Flip Loans

Our fix and flip loans

Turn distressed properties into profitable opportunities with financing built for renovation projects. Our fix and flip loans provide the fast capital and flexible terms you need to acquire, renovate, and sell residential properties — maximizing your returns. You have the vision to transform properties — and we have the financing to make it happen.

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Renovation Financing Built for Speed and Profit

Cascara’s fix and flip loans (also known as residential transition loans) are designed for builders and contractors who spot potential where others see problems. We know that successful property flips depend on fast acquisition, efficient renovation, and quick resale — a timeline that traditional lenders simply can’t match.

Our financing covers both acquisition and renovation costs, giving you the flexibility to move fast, improve properties, and get them back on the market. No need to juggle multiple funding sources — our loans give you a single, streamlined solution that keeps your projects moving.
We’ve created a lending program that works the way experienced builders do: acting fast on opportunities, managing renovations efficiently, and turning properties for profit. Effective use of our fix and flip loans boosts property value, helping you maximize your returns when the project is done. Whether you’re flipping your first property or managing multiple projects at once, our financing adapts to your build strategy and timeline.

Fix & Flip Loans That Work in the Real World

Acquisition + Rehab

Get funding for both property purchase and renovation costs in a single loan. Our fix and flip loans provide comprehensive financing that covers acquisition and the entire renovation budget, all in one package.

Fast Approvals

Receive term sheets within 24 hours and close in as little as 10 days. When you spot a property with potential, our streamlined process ensures you can move quickly to secure it.

Builder-Friendly Draws

Access renovation funds as your project progresses with inspections conducted by professionals who understand construction milestones. Get draws processed within 24-48 hours to keep subcontractors paid and materials flowing.

Flexible Exit Options

Loan terms from 6-24 months with no prepayment penalties. Sell the renovated property on your timeline or transition to long-term financing without costly fees.

Acquisition + Rehab

Get funding for both property purchase and renovation costs in a single loan. Our fix and flip loans provide comprehensive financing that covers acquisition and the entire renovation budget, all in one package.

Fast Approvals

Receive term sheets within 24 hours and close in as little as 10 days. When you spot a property with potential, our streamlined process ensures you can move quickly to secure it.

Builder-Friendly Draws

Access renovation funds as your project progresses with inspections conducted by professionals who understand construction milestones. Get draws processed within 24-48 hours to keep subcontractors paid and materials flowing.

Flexible Exit Options

Loan terms from 6-24 months with no prepayment penalties. Sell the renovated property on your timeline or transition to long-term financing without costly fees.

Why Builders Choose Cascara for Fix and Flip Projects

Designed by Builders Who Understand Renovation

Our fix and flip loan program is designed by professionals with real-world renovation experience — people who know the challenges of tight schedules, subcontractor coordination, and market timing.

We keep the process transparent and builder-focused, with clear terms and straightforward requirements. From initial property evaluation to renovation draw management, our in-house team handles every step, providing consistent support throughout your project. From acquisition to final sale, you’ll have a dedicated point of contact who knows renovation timelines and keeps your project moving.
We’ve eliminated the headaches builders typically face with traditional renovation loans — no excessive documentation, no unrealistic appraisals on distressed properties, and no cumbersome draw processes that stall your build. We evaluate each property on its potential, not just its current condition, and provide funding that aligns with your renovation schedule.
Construction worker building a residential home frame in the mountains – symbolizing Cascara Capital’s new construction financing solutions

How Our Fix & Flip Loan Process Works

Property Evaluation

Share your property details, purchase price, and renovation plans with our experienced lending team.

Quick Assessment

Receive a preliminary offer within 24 hours based on the property's after-repair value (ARV) and your renovation experience.

Streamlined Documentation

Submit straightforward property information and renovation budgets, not endless paperwork. We focus on what matters for successful flips.

Rapid Closing

Close in as little as 15 days, so you can secure properties before other buyers even get started.

Renovation Draws

Access renovation funds at key project milestones, with inspections completed by professionals who understand construction and speak your language.

Profitable Exit

Sell your renovated property or refinance into long-term financing, with no prepayment penalties.

Property Evaluation

Share your property details, purchase price, and renovation plans with our experienced lending team.

Quick Assessment

Receive a preliminary offer within 24 hours based on the property's after-repair value (ARV) and your renovation experience.

Streamlined Documentation

Submit straightforward property information and renovation budgets, not endless paperwork. We focus on what matters for successful flips.

Rapid Closing

Close in as little as 15 days, so you can secure properties before other buyers even get started.

Renovation Draws

Access renovation funds at key project milestones, with inspections completed by professionals who understand construction and speak your language.

Profitable Exit

Sell your renovated property or refinance into long-term financing, with no prepayment penalties.

FAQs —
Fix & Flip Loans

We typically provide up to 90 percent of the acquisition cost and 100 percent of the renovation budget, giving investors a full financing package that minimizes upfront capital requirements. This structure allows experienced fix and flip investors to preserve working capital across multiple projects while we cover both the purchase and the complete rehab scope. Our Builder DNA approach means we focus on the total project potential rather than limiting everything to current property value. Traditional lenders often cap leverage around 70 percent, but we recognize that successful fix and flip projects depend on having adequate renovation capital to reach maximum after repair value and investor returns.
We determine after repair value using a combination of professional appraisals, recent comparable sales, current market trends, and a detailed review of your renovation scope. Alongside the independent appraisal, our team conducts its own valuation, drawing on construction experience to understand how specific improvements translate to market value increases in different neighborhoods and property types. Rather than relying solely on automated valuation models like many traditional lenders, we take a property specific approach that blends third party expertise with our own hands on analysis. This results in more accurate loan sizing and ensures your fix and flip financing is aligned with the true profit potential of the project.
Our fix and flip loans typically carry interest rates between 10 and 12 percent, with exact pricing based on project complexity, borrower experience, and loan to value ratio. Origination fees usually range from 1.5 to 3 points, and we never charge prepayment penalties, so you can complete and sell your project early without added cost. We structure our loans with full transparency, eliminating hidden fees and surprise charges during the renovation process. While our pricing is competitive with other private lenders, investors often find greater value in our faster draws, construction expertise, and responsive service that help maximize fix and flip profitability.
You can request draws as renovation milestones are completed, such as demolition, framing, electrical rough in, or flooring. Our inspectors typically visit the property within 24 to 48 hours and release funds quickly, with a focus on actual construction progress rather than the paperwork heavy requirements common with traditional mortgages. Because multiple draws per month are available, your cash flow stays steady and subcontractors get paid without delays. Our in house team manages the entire process from scheduling inspections to releasing funds, and most approved draws are processed within 48 hours of completion verification, giving house flippers the speed and reliability they need to keep projects on track.
Yes, we regularly close fix and flip loans in 10 to 15 days, compared to the 15 to 30 day timelines common with many hard money lenders. Our streamlined underwriting emphasizes property potential and your flipping experience rather than excessive documentation that slows traditional financing sources. When you identify a strong investment property, speed is critical to winning deals against cash buyers. Our same day term sheets and accelerated closing process give investors a competitive edge in multiple offer situations while still ensuring a thorough evaluation of each project.
We generally look for investors with two to three completed fix and flip projects, but we also consider strong construction backgrounds such as contractors or project managers on a case by case basis. What matters most is your ability to budget accurately, manage timelines, and deliver profitable project exits rather than your personal credit score. First time flippers with significant construction experience may still qualify when paired with additional project oversight or by partnering with experienced investors. Our goal is to ensure borrowers understand renovation costs, permitting requirements, and local market conditions that drive successful property transformations, areas where traditional home loans fall short.
In our experience funding hundreds of fix and flip projects, cost overruns occur in about 30 percent of cases due to hidden damage or unexpected material price increases. When that happens, our team reviews legitimate additional costs on a case by case basis and often approves extra funds when contractor estimates and updated scope documentation support the need. Rather than letting issues stall your project, our construction savvy team works with you to find solutions such as using alternative materials, phasing work, or adjusting timelines to keep the flip moving forward. We approach budget challenges as problem solvers because your project’s success strengthens our relationship and supports your ability to complete future profitable investments.

Ready to Start Your Next Renovation Project?

Don’t let outdated lenders slow you down. Our team delivers fast, flexible fix and flip loans — designed for builders who transform properties into valuable homes and vibrant communities.

Contact our fix and flip loan specialists today for a no-obligation consultation and discover why builders across the region trust Cascara Capital to fund their most profitable renovation projects.

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John Barlow

Senior Business Loan Consultant

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Heather Ross

CFO

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Koby Lines

Business Loan Consultant

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Max Rutherford, Senior Loan Analyst, standing with arms crossed, wearing a white shirt, against a textured gray background.
Max Rutherford

Senior Loan Analyst

Max brings a strong background in investment banking, financial analysis, and portfolio management to his role as Senior Loan Analyst at Cascara. He supports the firm’s loan strategy and underwriting efforts while managing client relationships, portfolio risk, fundraising initiatives, and marketing strategy. Prior to Cascara, he served as an Analyst Intern at Cascadia Capital, where he focused on financial modeling, market research, and pitch deck development. He also worked as an Accounting Associate at myGREEN Tax & Accounting, managing QuickBooks portfolios and preparing financial reports. Max holds a BBA in Marketing from the University of Washington’s Michael G. Foster School of Business.

Michael Thies, VP of Sales, in a suit standing and smiling against a plain, textured gray background.
Michael Thies

VP of Sales

Michael brings over 25 years of experience in mortgage lending, marked by leadership, operational excellence, and a dedication to helping clients achieve their goals. As a high-performing branch manager at Bank of America, he led a team that consistently funded more than $600 million annually, showcasing his talent for driving results and building strong teams. Throughout his career, Michael has personally originated over $700 million in residential loans, earning a reputation for integrity, trust, and personalized service. His deep understanding of market dynamics and borrower needs makes him a valued resource for clients and colleagues alike. Michael’s ability to blend strategic insight with a client-focused approach positions him as a respected leader in the industry.

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Smokey Burns

Board Member

Smokey brings over 25 years of experience in finance, accounting, and business development to Cascara. After earning his graduate degree from the University of San Francisco in 2001, he founded and led Epicenter Network, an online marketing company, as CFO until its successful sale in 2010. While staying on through 2015, he also launched Lexo Media Group in 2012 and sold it in 2015. In 2016, he co-founded Nimble Five, Inc., where he oversaw all finance and banking operations, managed accounting teams, led HR and compliance efforts, and worked closely with shareholders on strategic decisions. Smokey’s proven track record of multiple successful exits and his disciplined leadership have been key contributors to Cascara’s continued growth.

Brett Moreland, Founder & Principal, in a dark suit smiles confidently, standing against a plain, textured gray wall, exuding a professional demeanor.
Brett Moreland

Founder & Principal

Brett brings over 30 years of real estate finance experience to his role as Founder and Principal of Cascara Capital. He leads the firm’s strategic direction, capital relationships, and credit operations, drawing on deep expertise in lending cycles and risk management. Brett began his career at Norwest Bank before founding Qualfund Lending, LLC, which grew to 80 loan officers with annual volume exceeding $800 million. After selling Qualfund to First Independent Bank in 2003, he served as General Manager until 2005. Since then, Brett has focused on private lending, originating and servicing $700 million in bridge and construction loans. He holds a finance degree from Washington State University and lives in Kirkland, Washington, with his family.