Fix & Flip | Fix-To-Rent

Fast, flexible funding for residential rehab projects.

FIX & FLIP LOAN

Product Overview:

Fast, flexible short-term financing for investors acquiring, renovating, and reselling residential

properties. Perfect for experienced or first-time flippers seeking quick closings, high leverage,

and smooth draw management.


Example Scenario:

Purchase Price: $150,000 | Rehab: $50,000 | ARV: $300,000

Loan covers up to 95% LTC and 100% of rehab costs. Investor brings minimal cash to close and

makes interest-only payments during the project term.


Advantages:

  • No income verification or tax returns required
  • Up to 100% of rehab costs funded
  • Fast closings in as little as 10–14 days●
  • Interest-only payments during project term
  • Available nationwide (non-owner-occupied properties)


Terms & Availability:

  • Loan Amount: $50K – $5M
  • LTC / ARV: Up to 95% LTC, 75% ARV
  • Rate: 8.45%–12% (interest-only)
  • Term: 6, 12, 13, 18, 24 months (extensions available)
  • Experience: Not required for light rehab projects
  • Foreign Investors: Eligible with U.S. entity or guarantor
  • Deferred Payments: Available on select programs
  • Prepayment Penalty: None
  • Typical Closing: 10–14 business days - or as fast as 48 hours


FIX-TO-RENT (BRRRR) LOAN

Long-term wealth through short-term rehab financing.


Product Overview:
The Fix-to-Rent loan bridges the gap between flipping and long-term wealth building. Designed for investors using the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategy, this program provides short-term rehab financing that seamlessly transitions into a 30-year DSCR loan. Perfect for investors who want to acquire, renovate, and hold rental properties for cash flow and appreciation.


Example Scenario:
Purchase Price: $150,000 | Rehab: $50,000 | ARV: $300,000 | Monthly Rent: $2,400
The investor renovates and leases the property, then refinances into a 30-year DSCR loan at up to 75–80% LTV, freeing up capital to repeat the process.


Advantages:
• Streamlined funding from rehab to long-term rental refi
• No income verification or employment documentation
• Interest-only payments during the rehab phase
• Refinance option into a fixed 30-year DSCR loan
• Fast closings in as little as 10–14 business days
• Available nationwide (non-owner-occupied properties)


Terms & Availability:
• Loan Amount: $75K – $5M
• LTC / ARV: Up to 90% LTC, 75–80% LTV (refi)
• Rate: Approx. 8.25% (rehab) → 6.25% (30-year refinance)
• Term: 6–18 months (rehab) → 30-year permanent
• Experience: Not required for light to moderate rehab projects
• Foreign Investors: Accepted with U.S. entity or guarantor
• Deferred Payments: Available on select programs
• Prepayment Penalty: None