What are typical rates?

Short-term investor money prices well above a thirty year mortgage, and it carries origination points on top. Because the term is months rather than decades, judge it on total dollar cost against the projected spread on the sale, not on the headline rate.

Typically 10-20% of total project cost. Stronger borrowers and lower ARV ratios reduce that.

After-Repair Value - the projected sale price once renovations finish. We loan up to 70-75% of ARV.

How fast can you close?

Faster than a full-documentation mortgage, because there is no income verification. The pacing items are title, the entity documents and the insurance binder, so having those ready is what actually shortens the calendar.

Loan option

Fix & Flip Home Loan

Fix-and-flip loans finance both the purchase price and the rehab budget in one short-term loan - typically 12-18 months - so you can move fast on opportunities.

Get a quote Pre-qualify

What Fix & Flip Home Loan actually is.

Speed wins flips. The right financing partner closes in days, releases rehab funds reliably, and trusts your numbers enough to keep you moving on the next deal.

The two ratios that decide the deal are loan to cost and loan to after-repair value. We lend up to 90% of total project cost and up to 75% of ARV, with no income verification, which means the numbers on the deal carry the whole file.

Track record improves pricing, because it lowers the lender risk on the exit. A first project can still qualify on strong reserves, a realistic scope of work, and an ARV supported by comparable sales rather than by optimism.

Illustrative sample figures for a template demonstration. Not a rate quote, not an offer to lend, and not live market data.

Who this fits

Real estate investors flipping properties for profit
Wholesalers transitioning to active investors
Investors with strong contractor relationships
Borrowers experienced in renovation projects

Check whether you qualify

What this program buys you.

Up to 90% LTC: Finance up to 90% of total project cost (purchase + rehab).
Built For Speed: Asset-based underwriting means fewer moving parts than a full-documentation loan, so the file moves on the deal rather than on your tax return.
No Income Verification: Asset-based underwriting on the deal, not your tax return.
Rehab Funds Held in Escrow: Renovation budget releases in draws as work completes.

The process

Four moves from first call to keys.

Each step has one job and one owner. You always know which of the four the file is sitting in.

01Submit DealSend property, rehab budget, and ARV (after-repair value).
02Term SheetYou get a written term sheet: rate, points, loan to cost, loan to ARV, draw schedule and term.
03CloseTitle, entity documents and insurance are the usual pacing items on a short-term file.
04Rehab & SellDraw rehab funds as work completes, then sell and pay off the loan.

Questions this program raises.

If yours is not here, ask it. You will get an answer in writing from the officer who would work the file.

Other programs

Get this priced against your own file.

Tell us the scenario and we will come back with real figures for Fix & Flip Home Loan, and for the programs you did not ask about, so you can see all of them at once.