Fix and Flip Loan
Fast financing for purchasing and renovating investment properties, with terms designed for single-family rehab projects.
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Loan to cost (LTC)
Max 90%
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Minimum Loan Amount
$50,000*
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Loan to value (LTV)
Max 75% with Approval
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Loans
Max 12 Months
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Min. FICO score
650*
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Up to 90% LTV on "as is" and
up to 75% ARV
✅ Pros
- →Funds both purchase + rehab costs
- →Leverage: Often 60–75% purchase, 100% rehab
- →Fast approval/closing
- →Based on ARV (After Repair Value), not just current value
- →Draw structure helps manage rehab budget
❌ Cons
- →Higher rates & fees than traditional loans
- →Short term (typically 6–12 months)
- →Requires project management + timelines
- →Draw process can delay access to rehab funds
- →Risk of overruns or market downturn
Best for:Flippers, value-add investors, BRRRR strategy (Buy, Rehab, Rent, Refinance)