Fix & Flip · Investor

Fix & flip loans, built for the timeline

Short-term capital to acquire and rehab a property, structured around the project rather than a 30-year horizon. Speed and the right loan structure are everything, and that’s where lender selection matters.

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Program snapshot
TermShort-term (months)
CoversPurchase + rehab
PayoffOn resale or refinance
Specifics depend on your profile and current guidelines, we’ll walk through the numbers together.

Is this you?

Where it fits, and where to look twice

A strong fit when…

  • You’re buying to renovate and resell on a defined timeline.
  • You need funds for both the purchase and the rehab budget.
  • Speed of close matters more than a long, low-rate loan.

Worth weighing…

  • Rates are higher than long-term financing, these are short-term, project loans.
  • Your numbers must be honest: an accurate after-repair value (ARV) makes or breaks the deal.
  • Holding longer than planned eats into margin, so budget the timeline realistically.

How it works

The shape of the loan

01

Structured around the project

Fix-and-flip loans are sized to the purchase plus rehab, with terms measured in months, not decades.

02

Draws as you renovate

Rehab funds are often released in draws as work is completed, keeping interest costs tied to progress.

03

Exit by sale or refinance

You pay the loan off when you sell, or, if you decide to hold, by refinancing into a longer-term product like DSCR.

What you’ll bring

The paperwork, demystified

Recent pay stubs
W-2s or 1099s
Two months of bank statements
Tax returns (if self-employed)
Photo ID
Details on any other debts

A starting list, not a final one, every file is a little different, and we’ll tell you exactly what yours needs.

Common questions

Answered straight

How fast can you close?+

Speed is the point, these lenders move quickly. We’ll match you with one whose timeline fits your offer.

Do you finance the rehab too?+

Typically yes, often via draws as the work progresses. We’ll structure it around your scope of work.

What if I decide to keep it?+

We can refinance the project into a longer-term rental loan such as DSCR when the rehab is done.

Keep exploring

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This page is informational and not a commitment to lend or a guarantee of any rate or term. All loans are subject to credit approval and program guidelines; not all applicants will qualify.

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