Fix & Flip Loan Program
Fund The Purchase. Fund The Rehab. Close In Days, Not Months.
Nationwide fix & flip financing for serious investors. 12-month terms, up to 80% of as-is value, purchase / refi / cash-out — backed by a real human who answers the phone.
Who This Is For
Self-identify in one click. We've built this program around the investors who actually use it.
Experienced Flipper
You've closed deals before and need a lender who can keep pace with your pipeline. Repeat-borrower friendly.
This is meQualified First-Time Flipper
Strong credit, real capital, and a deal that pencils. We'll walk you from term sheet to closing.
This is meBRRRR Investor
Use the loan to acquire and rehab, then refinance into long-term DSCR debt once stabilized.
This is meWholesaler Repositioning
Took down a contract you'd rather hold and rehab? Use a fix & flip loan to close and reposition.
This is meWhy Investors Choose Us For Fix & Flip
Common-Sense Underwriting
We look at the deal, not just the checkbox.
Real Human You Can Call
Shane picks up. No call centers, no runaround.
2–3 Week Closings
Move fast on opportunities other lenders fumble.
Reliable Draw Schedule
Predictable rehab draws so your crew keeps building.
Repeat-Borrower Friendly
Built for investors who close deal after deal.
True Nationwide Footprint
Lending across the country, subject to state availability.
Eligible Property Types
Non-owner-occupied investment properties only. Subject to state availability and underwriting.
How It Works
Submit Your Scenario
Send the address, purchase price, rehab budget, and exit. Takes 3 minutes.
Quick Read From A Real Underwriter
We tell you if it's a fit — fast. No black box.
Term Sheet
Clear program highlights, leverage, and timeline. Subject to underwriting.
Close & Draw
Close in 2–3 weeks. Pull rehab draws on a reliable schedule.
Example Investor Scenarios
For Illustration Only — Subject To Underwriting
Suburban SFR Flip
- Purchase: $185,000 · Rehab: $55,000 · ARV: $315,000
- Loan sized to 80% As-Is Value, 12-month term
- Closed in 14 business days · 3 rehab draws
Small Multi-Family Reposition
- 8-unit value-add, 650+ FICO sponsor
- 12-month bridge with rehab budget
- Exit via DSCR refinance after stabilization
BRRRR Entry Loan
- Distressed 3/2, sponsor holding for cash flow
- Fix & flip loan funds acquisition + rehab
- Refinanced into 30-year DSCR after 9 months
Program Highlights — Subject To Underwriting
Fix & Flip At A Glance
Frequently Asked
How fast can you close?+
Most clean files close in 2–3 weeks from a signed term sheet. Tighter timelines are possible on a case-by-case basis.
Do you work with first-time flippers?+
Yes — for qualified first-time flippers with strong credit, real liquidity, and a deal that underwrites. Experience helps but isn't a hard requirement.
What credit score do I need?+
650 minimum FICO. Stronger credit can improve pricing and leverage. All approvals are subject to full underwriting.
How are rehab draws handled?+
Draws are released against completed work on a reliable schedule so your crew keeps moving. Inspection process is straightforward.
What states do you lend in?+
We're a nationwide investor lender. State availability varies by program; we'll confirm during your scenario review.
What's the exit strategy?+
Most borrowers exit via sale of the rehabbed property or refinance into long-term DSCR debt. We'll structure the loan around your plan.
Is this an owner-occupied loan?+
No. We finance non-owner-occupied investment properties only. We do not offer FHA or conventional residential mortgages.
Does submitting a scenario affect my credit?+
Submitting a scenario does not impact your credit. A formal application later in the process may involve a credit pull.
Have a deal under contract — or one you're trying to structure?
Submit your scenario and a real underwriter will get back to you. No call centers, no runaround.
Disclaimer. Loan programs, rates, terms, leverage, and approvals are subject to underwriting, borrower qualification, property type, state availability, and program guidelines. This is not a commitment to lend.
Financing for non-owner-occupied investment properties only. We do not offer owner-occupied, FHA, or conventional residential mortgages.