Fix & Flip / Fix & Hold
High-leverage, quick-close capital for acquisitions, renovations, and resale strategies.
Who Its Best For?
- Real estate investors acquiring properties to renovate and sell for profit.
- Buyers looking to purchase undervalued properties, improve them, and refinance into long-term financing.
- Investors who want flexible, fast capital without bank-style underwriting.
- First-time investors building a track record or experienced operators scaling volume.
What is a fix and flip loan?
Fix & Flip and Fix & Hold loans provide short-term financing to purchase, improve, and reposition investment properties. They allow investors to act quickly on distressed or undervalued assets, complete renovations, and either sell for profit or refinance into a longer-term loan for cash flow.
These loans are asset-based and focus on the property’s potential, not just the borrower’s financials. They often fund a large percentage of the purchase price and renovation budget, helping investors preserve capital for future deals.
Why It Matters
In competitive markets, speed and certainty matter more than anything. Traditional banks avoid distressed properties or lengthy rehab projects, leaving investors without financing options. Our solution fills that gap, making it possible to close quickly, execute a value-add strategy, and maximize returns. The benefits include:
- Fast closings so you can act before competitors
- High leverage and funding for both acquisition and improvement
- Flexible structures tailored to your exit plan
- Streamlined underwriting focused on property potential
FAQ
Do I need experience to qualify?
No. We work with both first-time and experienced investors.
Can I refinance after the project is complete?
Yes. Many clients refinance into long-term financing to hold the property as a rental.
Can I use this loan for rental properties?
Yes. Fix & Hold financing is ideal for value-add rental investments.
Share More Insights On This Loan Type
- Loan amounts range from $75,000 to $50 million
- Can close in as little as 5–10 days
- Offer high leverage ratios on purchase and renovation costs
- Flexible terms based on exit strategy
- Financing is available nationwide
What is the minimum credit score required to apply for a loan
The minimum is 640 and rates will vary based on what your score is.
What is the typical term length?
Most loans range from 6 to 18 months, depending on the project timeline.
Can I finance both purchase and renovation?
Yes. We often finance up to 90% of the purchase and 100% of the improvement costs.
Share an example scenario about using this loan?
An investor identified a single-family property in Houston below market value. Traditional lenders declined financing due to the property’s condition. We structured a Fix & Hold loan that financed 85% of the purchase price and 100% of the renovation budget. The investor completed improvements, increased the property’s value by 32%, and refinanced into a DSCR loan for long-term cash flow.
Explore other programs
Cross-Collateral / Bridge Loans
Uses one or more existing properties as collateral for new financing.
DSCR Investor Rental Loans
Qualification based on property cash flow instead of personal income.
Rental Portfolio / Blanket Loans
Consolidates multiple properties into one loan, one monthly payment, and one customizable structure.
