Fix and Flip Loans

Fix and Flip Loans — Fast Capital to Win the Deal

Purchase and renovation financing for real estate investors. Up to 95% of total project costs with interest-only payments. From first-time flippers to experienced investors scaling their portfolio.

Purchase + renovation costs covered
First-time and experienced investors
No income verification required

$10M

Max Loan

95%

LTC

1-3 Wks

To Close

5.0 ★★★★★

Trust Index Verified

Real estate investor reviewing renovation project

Simple Process

How It Works

From application to closing - transparent, fast, and built for investors.

Submit Your Deal

Tell us about the property and your project plan. No hard credit pull. We just need the basics - purchase price, renovation budget, and after-repair value.

Get Your Term Sheet

We match your deal across our lender network and present your best options - rates, leverage, and timeline. Full transparency, no surprises.

Close and Start Flipping

Choose your offer, complete underwriting, and close in as little as 1-3 weeks. Renovation funds released on a draw schedule as work is completed.

Pre-Approved

Project Financing

$157,500

Fix and Flip - Single Family

Total Project Cost $175,000

LTC 90%

Monthly Interest $1,444

Rate 11%

Accept Term Sheet

Fix and Flip Programs

Short-Term Financing Built for Flippers

Asset-based loans designed around the property and your project - not your W-2 or tax returns.

Loan Amount

$50K – $10M

Purchase price plus renovation costs

Term Length

6 – 18 Months

Interest-only during the hold period

Close In

1 – 3 Weeks

From application to funded deal

Asset-Based Lending. No Income Docs Required.

Fix-and-flip loans are underwritten based on the property and its after-repair value - not your personal income or business revenue. Whether you are a first-time flipper or a seasoned investor, we connect you with the right lender for your deal. One application, multiple options.

Program Overview

What Is Fix and Flip Financing?

Fix-and-flip financing is short-term, asset-based lending designed for real estate investors who buy properties, renovate them, and sell for a profit. These loans cover both the purchase price and renovation costs, with the expectation that the property will be sold within 6-18 months.

Unlike traditional mortgages, fix-and-flip loans are qualified primarily on the property itself and its after-repair value (ARV) - not the borrower's income, W-2s, or tax returns. This makes them accessible to investors at every experience level, from first-time flippers to professionals running multiple projects simultaneously.

Payments are interest-only during the hold period, keeping your carrying costs low while you renovate. When the property sells, you pay back the principal and keep the profit. Renovation funds are typically released on a draw schedule as work is completed.

Key Highlights

Up to 95% LTC - Finance up to 95% of total project costs (purchase + renovation) with as little as 5% down

Interest-only payments - Pay only interest during renovation. Principal repaid at sale.

Rates from 7% - Competitive rates for experienced investors with strong credit profiles

First-time flippers accepted - Several lender programs welcome new investors with strong credit and a solid plan

BRRRR strategy compatible - Flip into a DSCR loan for long-term hold (Buy, Rehab, Rent, Refinance, Repeat)

Plan Your Project

Estimate Your Fix and Flip Costs

Use the calculator to estimate your interest payments, then see if you meet the baseline qualifications.

Fix and Flip Calculator

Interest-only estimates based on project cost, rate, and term.

Total Project Cost $175,000

Interest Rate 11%

Loan Term 6 Months

Monthly Interest Payment $1,444

Estimated Loan Amount (90% LTC) $157,500

Total Interest Cost $8,663

Who Qualifies?

Baseline requirements across our fix-and-flip lender network.

Credit Score

600+

Experience

First-Time Flippers Welcome

Property Type

Residential 1-4 Units

Down Payment

5-25% of Project Cost

Strongest profiles: 680+ credit, 3+ completed flips, and cash reserves beyond your down payment. These investors unlock up to 95% LTC and rates as low as 7%.

First-time flippers can still get funded. Expect 10-25% down and rates in the 10-13% range. A strong credit score and solid project plan go a long way.

Client Success Stories

Credit Stacking to Flip

$20-30K Profit Per Flip Starting from Zero Capital

"I started with no investment capital and built a real estate business out of thin air."

Sean La Vau, a luxury real estate agent, wanted to start flipping properties but had no capital. We helped him stack business credit at 0% APR, liquidate strategically for down payment, and finance 80-90% of the property through a fix-and-flip lender. Result: $20-30K profit per flip with no money out of pocket. Sean now sends 4-5 deals per month as a repeat referral partner.

First-Time Flipper

First Flip Funded in Under 3 Weeks

"I was told I needed years of experience. Huge Capital found me a lender that didn't care."

A new investor with strong credit but zero flip experience came to us after being turned down by two other brokers. We matched them to a first-time flipper program, secured 85% LTC, and closed in 18 days. The property sold four months later for a $35K net profit after all costs.

Portfolio Scaling

From 1 Flip Per Year to 4 Running Simultaneously

"I was using all my own cash for one deal at a time. Now I'm leveraged across four."

An experienced investor was self-funding one flip per year, tying up all their capital. We connected them with a lender offering 90% LTC across multiple properties, allowing them to run four projects simultaneously. Annual profit went from approximately $40K to over $140K by leveraging other people's money.

Compare Your Options

Which Real Estate Product Fits?

Not sure if a fix-and-flip loan is the right move? Here is how it compares to other real estate financing options.

	Fix and Flip	DSCR Loan	New Construction
Amount	$50K – $10M	$75K – $5M	$100K – $10M+
Term	6 – 18 months	30 years	12 – 24 months
Rates	7% – 15%	6% – 9%	8% – 14%
Closing Speed	1 – 3 weeks	2 – 4 weeks	2 – 6 weeks
Strategy	Buy, renovate, sell	Buy and hold (rental)	Ground-up build
Best For	Flippers scaling with leverage	Landlords building rental portfolio	Developers building from scratch
		Learn More	Learn More

Common Questions

Fix and Flip FAQs

Straight answers for real estate investors.

How much do I need to put down on a fix-and-flip?+

Down payment depends on your experience and credit profile. Most programs finance 85-95% of the total project cost (purchase + renovation). That means you need 5-15% as a down payment or in reserves. Experienced flippers with strong credit get the highest leverage. First-time investors should expect 10-25% down.

Can I get a fix-and-flip loan with no experience?+

Yes. Several of our lender programs work with first-time flippers. You may face slightly higher rates and lower leverage compared to experienced investors, but funding is absolutely available. Having a strong credit score and a solid project plan helps compensate for lack of experience.

How fast can I close on a property?+

Most fix-and-flip loans can close in 1-3 weeks. Some lenders offer pre-approval so you can move quickly when you find the right deal. Speed depends on the lender, property type, and how prepared you are with documentation.

Do I make monthly payments during the renovation?+

Yes. Fix-and-flip loans are interest-only during the hold period, so your monthly payments are significantly lower than a fully amortized loan. You pay back the principal when you sell the property. This keeps your carrying costs low while you renovate.

What if the flip takes longer than expected?+

Most programs offer 6-18 month terms with extension options. If your project runs over, talk to your lender early. Extensions are common and typically available for a fee. We help you plan realistic timelines upfront so this is rarely a surprise.

Can I finance the renovation costs too?+

Yes. Fix-and-flip loans typically cover both the purchase price and renovation costs. Renovation funds are usually drawn in stages as work is completed (draw schedule). This means you do not need separate capital for the rehab.