Renovation financing
Fix & Flip Loans
High-leverage rehab financing engineered for investors scaling renovation portfolios.
Fix and flip loans are short-term, interest-only notes built around the purchase and the rehab budget — not your personal tax return. Professional investors use them to buy, renovate, and exit without tying the file to W-2 income.
Leverage on a clean file can reach 90% of the purchase plus 100% of rehab, with a ceiling around 75% of after-repair value and loans up to $5 million. Terms run up to 18 months, and select programs carry no prepayment penalty so you can sell or refinance when the work is done.
Eligible property
- Single-family residential
- Condominium
- Townhome
- 2 to 4 units
- Non-owner occupied
Figures
- Interest rate
- Rates from 7.2%
- Purchase / rehab
- 90% + 100% rehab
- Maximum loan
- Up to $5M
- After-repair value
- Up to 75% LTARV
- Term
- Up to 18 months
- Payments
- Interest-only
- Prepayment
- None on select programs
Questions on this program
These files are underwritten on the asset, the budget, and your experience as an investor. Personal tax returns are not the ceiling the way they are on a conventional mortgage.