A Fix & Flip Loan is a short-term real estate loan designed for investors who buy distressed or undervalued properties, renovate them, and sell them for a profit within a few months. These loans are based on the property’s value and after-repair potential, not your income.

What Is a Fix & Flip Loan?

It's an asset-based loan used to:

  1. Purchase an investment property

  2. Finance renovations (optional rehab funds included)

  3. Sell the property for profit (usually within 6–12 months)

  • Find & lock up a deal (under contract)

  • Submit your budget (scope of work)

  • Get funding for purchase + rehab

  • Renovate & improve the property

  • Sell the property and pay off the loa

Process Overview:

  • House flippers

  • BRRRR investors (Buy, Rehab, Rent, Refinance, Repeat)

  • Investors needing fast, flexible funding

  • Those who don’t qualify for traditional loans

Ideal for:

  • Purchase Price: $150,000

  • Rehab Budget: $50,000

  • After Repair Value (ARV): $275,000

  • Loan: Up to 90% of purchase + 100% of rehab = $185,000

Example

Investor contributes $15,000 + closing costs. After selling for $275,000, they profit (minus loan payoff, fees, and holding costs).