Fix and Flip Loans for Real Estate Investors

Fast, Flexible Funding for Your Next Flip

Finance your next project with speed, simplicity, and investor-friendly terms.

Fix and Flip Loans are short-term, asset-based loans designed for real estate investors who need capital to purchase, renovate, and resell properties quickly. Whether you’re flipping your first house or your fifteenth, this loan can help you move fast in competitive markets.

Get matched with a fix and flip lender in 60 seconds. No W-2s. No tax returns. No problem.

🔨 Why Choose a Fix and Flip Loan?

Built for speed, scale, and opportunity.

✅ No income verification required
✅ Close in as little as 7–14 days
✅ Finance up to 90% of purchase and 100% of rehab
✅ Loans from $75K to $2.5M+
✅ Use for single-family, multifamily, condos
✅ Entity (LLC) ownership allowed
✅ Interest-only payments for better cash flow

Use Case Example: An investor found a distressed duplex listed below market value and needed to close quickly with cash for renovations. A fix and flip loan covered 85% of the purchase price and 100% of the renovation costs. The investor completed the rehab in 3 months and exited with a profitable resale, all without using personal income documentation.

🧮 How Fix and Flip Loans Work

Fix and Flip loans are short-term (typically 6–18 months) and designed to cover both the purchase price and renovation costs. Most lenders release rehab funds in draws, based on completed work verified by inspection.

Loan Structure:

Loan Amount = % of ARV or LTC (e.g., 70–75% ARV, 85–90% LTC)
Interest-Only Monthly Payments
No prepayment penalties with some lenders

Typical Requirements:

620+ credit score (some allow lower with experience)
Up to 100% rehab financing (based on project scope)
Appraisal or Broker Price Opinion (BPO)
Experience preferred but not required (first-time flippers welcome with strong deal)

Fix and Flip Loan FAQs

Do I need W-2 income or tax returns?

No. These loans are asset-based. Qualification is primarily based on the property and exit strategy.

How much can I borrow?

Loan amounts range from ~$75,000 up to $2.5M or more, depending on your deal and experience.

How fast can I close?

Closings can happen in 7–14 days, depending on the lender and appraisal timing.

Can I get 100% financing?

Yes—many lenders offer 90% purchase and 100% of rehab. You’ll typically need at least 10% down and cash reserves.

Can I use an LLC to borrow?

Absolutely. Most fix and flip lenders prefer or require LLC ownership.

Get Matched with a Fix and Flip Lender Today

See what you qualify for in 60 seconds — no impact to your credit.

Start My Fix and Flip Loan Match

Secure. Fast. Built for investors.