Fix & Flip Loans — Close in Days, Not Weeks
Fast, asset-based financing for residential fix-and-flip projects. Close in 5-10 business days. Compete with cash buyers. No personal income docs required.
Get Matched FreeProgram Highlights
- Close in 5-10 business days
- Up to 90% of purchase price
- Up to 100% of rehab costs
- No personal income required
- LLCs and corporations OK
- No prepayment penalty
- Nationwide — 48 states
- 6-18 month terms
How Fix & Flip Loans Work
Fix and flip loans are short-term, asset-based loans designed for investors who purchase distressed properties, renovate them, and sell for a profit. Unlike conventional mortgages, approval is based primarily on the property value and the investor experience — not personal income or W2s.
Lenders typically fund a percentage of the purchase price (up to 90%) plus a portion of the renovation budget (up to 100% of rehab costs in some programs). The combined loan-to-cost ratio is usually capped at 85-90%, and the loan-to-after-repair-value is typically limited to 70-75%.
These loans close fast — often in 5-10 business days — which is critical in competitive markets where sellers prefer cash buyers. LLCs and corporations are welcome, and most programs do not require personal income documentation.
Terms range from 6 to 18 months with interest-only payments. There is usually no prepayment penalty, so you can pay off the loan as soon as the property sells.
Program Guidelines
Min. Credit Score
620+
Max LTC
Up to 90%
Max ARV LTV
Up to 75%
Loan Term
6-18 months
Rehab Funding
Up to 100%
Close Time
5-10 business days
Frequently Asked Questions
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Tell us your scenario and we'll connect you with a licensed specialist who handles this exact loan type — at no cost to you.
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- No upfront fees
- 48 states covered
- Response within 24 hrs
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