Fix & Flip Loans — Fast Funding for Real Estate Investors | Investor Funding Guide
🔨 MOST POPULAR PROGRAM

FIX & FLIP
LOANS

Complete financing for purchase and renovation. Up to 90% of purchase price plus 100% of rehab costs. Close in 7-14 days and start your project fast.

QUICK STATS

Typical Fix & Flip loan parameters
Loan Amount$100K – $5M
LTV (Purchase)Up to 90%
LTC (Rehab)Up to 100%
Rates From9.99%
Term12 – 24 months
Time to Close7 – 14 days
WHAT IT IS

Short-term financing
built for flippers.

A Fix & Flip loan is a short-term real estate loan designed for investors who buy distressed or undervalued properties, renovate them, and resell for a profit. Unlike traditional mortgages, our loans are based on the property's potential — not just its current condition.

We fund both the purchase and the rehab budget, with funds released in draws as work progresses. That means less of your own capital tied up — and faster scaling across multiple deals.

  • Asset-based — we lend on the deal, not just your W-2
  • Interest-only payments during the project
  • No prepayment penalties — pay off when you sell
  • First-time flippers welcome (with experienced GC)

EXAMPLE DEAL

Purchase Price$220,000
Rehab Budget$45,000
ARV$340,000
Loan Amount (90% LTC)$238,500
Investor Cash In$26,500
Estimated Profit$88,000
LOAN TERMS

FIX & FLIP LOAN TERMS

Transparent, competitive terms designed to help you maximize ROI on every deal.

$
$5M
Max Loan Amount
%
90%
LTV Purchase
100%
Rehab Funded
7-14
Days to Close
HOW IT WORKS

FROM APPLICATION TO CLOSE

1

APPLY ONLINE

60-second pre-qualification. Tell us about the property, purchase price, and rehab scope.

2

TERM SHEET

Get a clear term sheet within 24 hours showing rate, fees, LTV, and timeline.

3

UNDERWRITING

Submit docs, order appraisal, complete title work. Most deals fully underwritten in 5-7 days.

4

CLOSE & FUND

Wire purchase funds to closing. Rehab funds drawn as work is completed and inspected.

IDEAL FOR

BUILT FOR THESE SCENARIOS

🏚

DISTRESSED PROPERTIES

Foreclosures, short sales, and bank-owned properties that need significant work to reach market value.

🏡

COSMETIC FLIPS

Properties needing kitchens, baths, flooring, paint, and curb-appeal updates to maximize resale value.

🔨

FULL GUT REHABS

Complete renovations including structural, mechanical, and full system overhauls. We fund the whole scope.

📐

ADD-VALUE STRATEGIES

Adding bedrooms, finishing basements, building ADUs, or expanding square footage to push ARV higher.

🏘

MULTI-PROPERTY SCALE

Investors running 2-10+ projects at once. We fund concurrent deals so you scale without bottlenecks.

AUCTION PURCHASES

Need cash-fast for courthouse steps or online auctions? We close in days, not weeks.

FAQ

FIX & FLIP QUESTIONS

Do I need previous flipping experience?
First-time flippers are welcome, especially when paired with an experienced general contractor. Experience helps with rate and LTV, but it's not a hard requirement. We have programs for new investors, intermediate flippers (1-5 deals), and experienced flippers (10+ deals) — each with progressively better terms.
What credit score do I need?
Most programs start at 660 FICO, but we have lender partners who go down to 620 for strong deals. Higher scores unlock better rates and higher LTVs. Credit is just one factor — the deal itself, your liquidity, and your experience all matter too.
How are rehab funds released?
Rehab funds are released in "draws" as work is completed. You complete a phase, request a draw, an inspector verifies the work, and funds are wired to you (typically within 48 hours). Most deals have 3-5 draws over the life of the loan.
Are there prepayment penalties?
No. You can pay off the loan as soon as you sell or refinance — there are no prepay penalties on our standard fix & flip products. Some lenders may have a 3-month minimum interest, but most have no minimum.
What states do you lend in?
We lend in all 50 states. Some states have nuances around licensing or transfer taxes, but our network covers the entire US. Tell us where the property is and we'll match you with the right lender.
What documentation do I need?
Standard docs include: ID, last 2 months of bank statements, purchase contract, scope of work with rehab budget, and entity docs (LLC). For experienced borrowers, that's typically all we need. We don't require tax returns or W-2s for most fix & flip programs.

READY TO FUND YOUR NEXT FLIP?

Get pre-qualified in 60 seconds. No credit pull, no obligation. Just real numbers from real lenders.

24HourLoanApproval.com
FAST & EASIEST LOANS
Lendinvestors.com
REAL ESTATE INVESTOR LOANS
Google ★★★★★ EXCELLENT