Fix and Flip Loans

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.

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.

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 lenders.

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.