Fix-and-flip financing for investors.
Short-term financing to buy a property and fund its renovation, designed for investors who plan to sell once the work is done.
How it works
Fix-and-flip loans focus on the property and the plan. Lenders look at the purchase price, the renovation budget, and the expected value after repairs. Renovation funds are commonly released in stages, called draws, as work is completed.
Who it's for
- Investors flipping single-family homes
- Experienced flippers growing their volume
- Newer investors with a clear plan and budget
- Investors who need to close on a property quickly
What lenders typically review
- Purchase contract and price
- Scope of work and renovation budget
- Estimated after-repair value
- Your experience and track record
- Your plan to sell or refinance
From first call to closing.
Every deal is a little different. Here is the general path, and we will tailor it to you.
- 1
Share the deal
Send the address, price, and your renovation plan.
- 2
Review the numbers
We look at budget, value, and timeline with you.
- 3
Close and renovate
Funds for the purchase at closing, with renovation draws as work is done.
- 4
Sell and repay
The loan is paid off when the property sells or is refinanced.
Fix-and-Flip questions.
Have a question that is not here? Ask us. No question is too basic.
Does the loan cover renovation costs?
Do I need flipping experience?
What if I decide to keep the property as a rental?
Related programs.
All loans are subject to credit approval, underwriting, and property review. Program availability, terms, and requirements vary and can change. This page is general information, not a commitment to lend. We will explain the requirements for any program before you apply.
Questions about fix-and-flip financing?
Tell us what you are working on, and we will walk you through whether this program may fit.
