Fix & Flip Loans
Short-term acquisition and rehab financing for residential investors — buy, renovate, and sell for profit.
Overview
Fix and flip loans are short-term (6–18 month) loans designed for investors who purchase distressed residential properties, renovate them, and sell for a profit. Financing covers both acquisition and renovation costs, with rehab funds disbursed in draws as work is completed. These programs focus on the deal — the property, the renovation plan, and the ARV (after-repair value).
Who Is This For?
- House flippers purchasing and renovating distressed residential properties
- Investors doing 1–5+ flips per year
- New investors with a solid renovation plan and exit strategy
- Experienced operators scaling their flipping business
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Submit the Deal
Property address, purchase price, rehab budget, and ARV estimate.
Get Approved
Fast approval based on the deal, your experience, and credit.
Close & Draw
Close quickly, then draw rehab funds as work is completed.
Sell or Refinance
Sell the property or refinance into a long-term DSCR rental loan.
Frequently Asked Questions
Some lenders work with first-time flippers (with higher requirements), while others require 2–3+ completed projects. Your advisor matches you to the right lender.