Fast & Flexible Fix & Flip Financing
Program Overview
Our Fix & Flip Loan programs are designed specifically for real estate investors who need quick access to capital for purchasing and renovating properties. Whether you're a seasoned pro or just starting your journey, we provide the flexible terms and market-leading expertise to ensure your residential or commercial project is a success.
✓ Funding up to 95% LTC
✓ Fast closings in as little as 5-7 business days
✓ First Time Flippers
✓ Foreign National Investors
Experience
We cater to all levels of expertise, from first-time flippers to seasoned pros with 5+ completed projects. Pricing improves with documented experience.
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Credit Score
Minimum FICO scores typically start at 620. Higher scores unlock more favorable leverage and interest rates for your project. Foreign Investors do not require credit
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Key factors to the approval of a Fix & Flip Loan
Guidelines
Leverage & Down Payment
Up to 95% LTC (Loan to Cost) available. Max 75% ARV. Cash-to-close expectations vary based on purchase price and renovation budget.
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Property Type & Exit Strategy
Eligible for SFR, 2-4 Units, and Condos. Clear strategy to either sell the property or refinance into a long-term DSCR loan.
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What does Loan to Cost (LTC) mean?
For fix and flip investors, Loan to Cost (LTC) is a metric used to compare the loan amount of a project to its total cost. It helps determine how much of the project the lender is willing to finance versus how much cash the investor needs to bring to the table. A higher LTC means less out-of-pocket capital for the borrower.
Step 1: Calculate Total Project Cost
Add the purchase price to the renovation budget.
$150,000 + $50,000 = $200,000 Total Cost
Step 2: Determine Loan Amount
Multiply the Total Cost by the LTC percentage (95%).
$200,000 × 0.95 = $190,000 Loan Amount
Step 3: Calculate Cash to Close
Subtract the Loan Amount from the Total Cost.
$200,000 - $190,000 = $10,000 Cash Required + Closing Costs
