Fix and Flip Loans

Overview

Loan Term Options
Standard 12-month term, with extended 18-month terms available in select cases.

Renovation & Construction Financing
Covers up to 100% of your renovation or construction budget.

Maximum Loan-to-Cost (LTC)
Finance up to 90% of the property's purchase price, depending on project scope.

Maximum After-Repair Loan-to-Value (ARV LTV)
Borrow up to 75% of the projected after-repair value.

When Do We Use LTC vs. LTV?
LTC is typically applied when renovation costs exceed the purchase price—common in heavy value-add or distressed property deals.

Recourse Requirement
All loans require full personal guaranty.

Loan Size Range
Available loan amounts range from $50,000 to $3,500,000.

Eligible Use
Short-term funding for renovation of non-owner occupied residential investment properties.

Who Can Borrow
Loans must be originated in the name of a legal entity.

Property Types Accepted
Eligible residential assets include:

  • Single-family residences (attached or detached)

  • 2–4 unit properties

  • Townhomes

  • Warrantable condominiums

Foreign National Policy
Foreign nationals may qualify, excluding applicants from countries on our ineligible list.

Experience Requirement
No previous real estate experience required to qualify.

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