Fix & Flip Loans
Fast, asset-based financing for experienced real estate investors. Acquire, renovate, and reposition 1 to 4-unit residential investment properties with flexible capital built around the deal.
Loan Snapshot
Rates
From 12.99%
Loan Amount
Up to $1 Million
Leverage
Up to 75% LTV
Term
Up to 12 Months
What These Loans Are For
Built for investors acquiring, renovating, and repositioning 1 to 4-unit residential investment properties.
Property Acquisition
Financing for the acquisition of 1 to 4-unit residential investment properties requiring renovation or repositioning.
Renovation Financing
Capital to fund light or substantial renovations designed to improve the property and execute your investment plan.
Cash-Out for Renovations
Access capital from properties you already own to fund renovations, improvements, or completion of the project.
Time-Sensitive
Fast financing for investment opportunities where a traditional lending timeline could put the transaction at risk.
Borrower Requirements
Designed for experienced real estate investors with a clear project plan and a defined path to repayment.
Investor Experience
Minimum of 3 completed real estate investment transactions within the past 12 months.
Defined Project Plan
Clear renovation scope, budget, timeline, and business plan for the property.
Viable Exit Strategy
A defined path to repayment through sale, refinance, or another identifiable liquidity event.
Flexible Credit Profile
Credit is considered as part of the overall transaction, with flexible minimum FICO requirements.
How Funding Works
A streamlined lending process designed for fast decisions and efficient closings.
Submit Your Deal
Send us your borrower documents and project details through our online loan application.
Review & Terms
We evaluate the asset, borrower experience, and exit strategy, then structure terms.
Underwriting
Provide the required documents while we complete underwriting and coordinate closing.
Close & Fund
Finalize loan documents, coordinate with title, close the transaction, and receive your funding.
We lend like real estate investors, not bankers.
Because we invest in real estate ourselves, we understand what matters when you are trying to close a deal, finish a renovation, and move on to the next opportunity.
Our lending process is built around direct communication, practical underwriting, and the ability to make decisions quickly
Speed and Certainty
We move fast, communicate directly, and give you clear answers so you can close with confidence.
Practical Underwriting
We focus on the deal, the property, and your exit strategy, not unnecessary red tape.
A True Lending Partner
You work directly with a lender who understands real estate investing and is focused on building a long-term relationship.
Frequently Asked Questions
Answers to common questions from real estate investors and borrowers.
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We can close qualified Fix & Flip transactions in as little as 5 business days, depending on the property, borrower readiness, title, and required documentation. Our direct underwriting process allows us to evaluate opportunities quickly, provide clear feedback, and work closely with you and title to keep the transaction moving. We’ve closed some loans in as little as 24 hours.
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Our Fix & Flip program is designed for experienced real estate investors who have completed at least three investment transactions within the past 12 months. This experience helps us move quickly through underwriting and structure financing around the property, renovation plan, and exit strategy.
If you’re newer to real estate investing, you’re welcome to contact our team to discuss your project and determine whether another financing solution may be appropriate.
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We provide Fix & Flip financing for 1 to 4-unit residential investment properties, including single-family homes, duplexes, triplexes, and fourplexes. Our loans are designed for investors acquiring, renovating, or repositioning properties with a clear plan to sell or refinance upon completion.
We evaluate each opportunity based on the property, renovation scope, borrower experience, and proposed exit strategy.
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Our Fix & Flip loans offer financing of up to 90% of loan-to-cost (LTC) or 75% of the property's after-repair value (ARV), depending on the transaction. Financing may include both the property acquisition and eligible renovation costs.
The amount available will depend on the property's value, renovation budget, borrower experience, and overall strength of the deal.
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Getting started is straightforward. Complete our online loan application and provide the basic details about the property, your investment experience, renovation budget, and proposed exit strategy.
Once we review your deal, we’ll outline any additional documentation needed for underwriting, which may include the purchase contract, renovation scope and budget, entity documents, and property valuation information.
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Not necessarily. Our Fix & Flip loans are asset-based, and we do not require traditional income verification or W-2 documentation.
Instead, we focus on the property, your real estate investment experience, renovation plan, and exit strategy. Our underwriting process is designed around the strength of the transaction rather than traditional income qualifications.
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Our Fix & Flip loans offer interest rates starting at 12.99%, with loan terms of up to 12 months. Origination fees and other loan costs vary depending on the property, borrower experience, leverage, and overall transaction.
We provide clear, straightforward loan terms so you understand the cost of financing before moving forward. There are no surprise fees or hidden rates.
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We do not have a fixed minimum loan amount for our Fix & Flip loans. Each financing request is evaluated individually based on the property, deal structure, borrower experience, and overall transaction.
If you have a smaller financing request, we encourage you to contact our team to discuss your project and determine whether it is a fit for our lending program.
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We provide Fix & Flip financing in Arizona and select other markets. Our lending footprint is intentionally focused on markets where we understand the real estate and can provide borrowers with a direct, hands-on lending experience.
If your project is outside Arizona, contact our team with the property location and financing details. We’ll let you know whether we can accommodate your transaction.
We hold active NMLS and Mortgage Banker’s licenses with the state of Arizona.
NMLS #2837378
AZ #BK-2019518
Ready to Fund Your Next Project?
Not every opportunity fits neatly into a box. Send us the details and we'll help determine the right financing structure.
Ready to Fund Your Next Project?
Not every opportunity fits neatly into a box. Send us the details and we’ll help determine the right financing structure for your project