Fix & Flip Loans
Flip More Properties
Close in 7–15 Days
Private lending for real estate investors who need capital fast. Up to 90% LTC, loan sizes from $115K to $8M, and underwriting that moves at the speed of your deals.
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Key Terms at a Glance
Loan Size
$115K – $8M
LTC (Experienced)
Up to 90%
LTV (ARV)
Up to 75%
Closing Speed
7–15 Days
Property Types
SFR, 2-4 Family, Condo, Townhome
Loan Terms by Experience Level
| Term | Experienced (5+ deals) | Some Experience (1–2) | New Investor |
|---|---|---|---|
| Loan to Cost | Up to 90%* | Up to 85% | Up to 80% |
| Loan to ARV | Up to 75% | Up to 70% | Up to 70% |
| Min FICO | 620 | 620 | 650 |
| Loan Size | $115K–$8M | $115K–$8M | $115K–$8M |
| Loan Term | 12–18 months | 12–18 months | 12–18 months |
| Closing Speed | 7–15 days | 7–15 days | 7–15 days |
*90% LTC available on light rehab projects only.
Refinancing After the Flip
Hold the property as a rental? Transition to a long-term loan with cash-out or rate-and-term refinancing.
Cash-Out LTV
Up to 60%
Rate & Term LTV
Up to 75%
Properties owned 1+ year qualify for as-is valuation. Newer acquisitions use cost-basis.
What You Need to Know
No rural properties — suburban and urban only
Maximum lot size: 2 acres
Experience verified through recent deal history
All loans are business-purpose, made to LLCs
Full appraisal required on every deal
620+ FICO for experienced investors
Frequently Asked Questions About Fix & Flip Loans
Minimum FICO is 620 for experienced and some-experience investors. New investors need a 650 minimum. These are private lending programs — credit requirements are more flexible than conventional mortgages.
Loan sizes range from $115,000 to $8,000,000. Experienced investors can get up to 90% loan-to-cost on light rehab projects, or up to 75% loan-to-after-repair value. New investors start at 80% LTC / 70% ARV.
Most fix and flip loans close in 7–15 business days. Private lenders use abbreviated underwriting compared to banks — typically a full appraisal and a brief application, not 60 days of document requests.
Single family homes, 2–4 family properties, condos, and townhomes all qualify. The property must be non-rural with a lot size under two acres.
Yes. Cash-out refinancing is available up to 60% LTV, and rate-and-term refinancing up to 75% LTV. Properties owned over 1 year can use the as-is appraised value; newer acquisitions use cost-basis.
Ready to Fund Your Next Flip?
Pre-qualification in minutes. Closing in 7–15 days. Loan sizes from $115K to $8M.
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