We offer a number of fix and flip or Rehab Loan Programs.

How to make the most profit on a Fix and Flip loan

Basic Home Improvement Tasks

The hardest part about doing a fix and flip is renovating the home without spending too much money. Learn how to do basic home improvement chores on your own, like painting, resurfacing, and door replacement.

Find the Right Contractors

Hire contractors to do the harder work, like plumbing or electrical work. And once your project is done, keep these contacts handy so you can hire them for future renovation projects.

Find Historic Homes

One of the most lucrative types of fix and flip projects is a historic home. All across America, there are thousands of homes from the 1880s through the turn of the century that have beautiful historic architecture but are very run down. If properly fixed up, these homes could dramatically increase in value and make you a substantial profit.

Speak to a professional before make the offer

There may be things that you don’t realize until after you make the offer regarding location and property type. Remote locations are much harder to finance, and multi-family over 4 units typically require a different financial source compared to 1 – 4 units.

Two Great Fix and Flip Programs

 80% of Purchase & 100% of RepairsUp to 100% of Purchase and 100% of Repairs
Min Loan Amount$100,000$100,000
Max Loan Amount$10,000,000$1,250,000
Purchase loan maximum of the current value80%up to 100%
Purchase loan maximum of After Repair Value65 – 70%

65 – 70%

Newer Borrowers start at 65%

Minimum Interest Rate7%10%
Time12 months9 months
Pre-Payment PenaltyNoneNone
Property TypesSingle Family Residence, Townhomes and CondosSingle Family Residence, Townhomes and Condos
Limit on Repair budgetNo limitNo more than 30% of the Total Loan Commitment
ARV Ceiling70%Transactions only considered up to 75% ARV of the purchase price and repairs

Credit Application – Required Documents

ExperienceAt least one previous flipAt least one previous flip
Minimum Credit Score650620
Credit Pull3 bureau credit reports requiredOnly a “soft pull” credit report is required
Bank Statements3 months1 current month
Cash RequirementEnough to close the transaction. Sufficient cash to pay for repairs that would be reimbursed through the fund control company.Min $30,000 cash on hand for each transaction in the process
Documented ExperienceExperience scheduleHUD-1
AppraisalRequired to confirm the current and ARV value of the propertyRequired to confirm the current and ARV value of the property

Frequently Asked Questions(FAQs)

As with any business venture, it’s understandable that you’d want to make sure this process is really worth the project time ahead of you.  Profit is something that you really need to do your homework on regarding the market value of the property you are buying, the cost of repairs and the value after. 

Yes, you would need to provide bank statements that show enough funds to cover the down payment and closing costs. Additionally, you would need to have enough cash on hand to pay for renovations which would be reimbursed after inspection.


One of the biggest mistakes with most first-time flippers is biting off more than they can chew. Remember to take it slow and learn from your first go-around. You’ll make mistakes along the way, there’s nothing wrong with that. As long as you’re working with a trusted lender, they’ll work with you to learn the process and help you set yourself up for success.

Your financial journey starts today

Let us help you get there.
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