/ Fix & Flip · Program details

Fix & Flip loans.

Purchase and rehab in one loan, underwritten on the asset. The deal qualifies — not your W-2. First-timers welcome on strong deals.

Run the numbers first
Before and after of a completed flip
/ The full box

Every parameter. Up front.

If your deal fits this box, terms come fast. If it does not, you hear that fast too — with what might work instead.

Property types
Non-owner-occupied SFR and 2–4 unitsCondos and townhomes case-by-case
Loan amounts
$150K – $5M
Leverage
Up to 90% of purchase + 100% of rehabCapped at 75% of ARV · credit and down payment set your tier
Interest
Non-Dutch, interest-onlyYou pay interest only on funds actually drawn — undrawn rehab budget costs nothing
Minimum credit
680+Below 680 is manual review by a licensed loan officer — not an automatic no
Experience
First-timers eligible3+ completed flips earn a 0.25% better rate; 10+ unlocks additional structures and possible higher leverage
Term
12, 18, or 24 months18-month +0.50% rate · 24-month +1.00% rate · extensions available through your loan officer
Prepayment penalty
NoneSell whenever the market says sell
Origination & fees
Itemized in your accountOrigination, processing, draw, and third-party fees are itemized on your written term sheet before you commit — free account, no credit pull
Rehab draws
Inspection-based, through the servicing portal end to endSchedule set at closing; your loan officer a call away
Borrower
Business entities only — LLC, corporation, or LP
Where
Business-purpose deals in 49 states
ALL FIGURES ARE PROGRAM GUIDELINES AND STARTING TERMS, NOT AN OFFER OR COMMITMENT TO LEND. RATE, ORIGINATION, AND FEES MAY BE HIGHER BASED ON FILE RISK FACTORS AND ARE SUBJECT TO CHANGE WITHOUT NOTICE — FINAL TERMS SET BY THE FUNDING LENDER AFTER VERIFICATION AND CONFIRMED ON YOUR WRITTEN TERM SHEET.
/ Deal analyzer

Run your flip. Right now.

Purchase, rehab, ARV — thirty seconds, no forms, no credit pull. The same pricing engine that prices your term sheet — see your estimated loan amount, down payment, and start rate, then turn them into written terms.

Purchase price
Total rehab budget
After-repair value (ARV)
Credit score
Flips completed (36 mo)
Loan term
Down payment / leverage90% LTC
Lower leverage, better pricing — the rate improves as you bring more to the deal. 100% of rehab funded at every tier.
Deal snapshot
Total project cost$—
Gross spread$—
Loan-to-ARV—

Your estimated terms

Live as you adjust — preliminary, confirmed by your LO
Est. loan amount
$—
—
Est. start rate
—%
$—/mo interest · plus origination & fees
Est. down payment
$—
Before origination & fees
Illustrative profit
$—
After sale, loan & carry costs
Unlock your full term optionsFree account · no credit pull · ready in minutes
Origination — Standard vs. Cash-Light
Processing & lender fees
Itemized cash to close
Written term sheet (PDF)
Estimates based on the information you entered — not an offer, approval, or commitment to lend. The rate shown is a starting rate and may be higher based on credit, experience, property type or condition, location, loan size, or other risk factors identified during underwriting. Rate, loan amount, and down payment exclude origination, processing, underwriting, lender, and third-party fees, which are itemized in your account and on your written term sheet before you pay anything or authorize a credit check. Final terms are set by the funding lender after verification of credit, experience, entity, appraisal, and title. All rates and fees are subject to change without notice. Profit estimate assumes a 6% sale cost, a six-month hold, and estimated loan fees; it excludes taxes, insurance, utilities, and other holding costs.
/ How it works

Contract to closing table. Fast.

01

Run your numbers

Analyzer first — thirty seconds, no credit pull, see how the deal pencils.

02

Terms in writing

A licensed loan officer issues your term sheet — as fast as same day, typically within 48 hours on a complete file.

03

Appraisal & title

We order, you track. Every stage visible in your dashboard while the file moves.

04

Clear to close

Sign, fund, build. The wire is the starting line — draws keep pace with your crew.

/ Program questions

The short answers.

Yes — fix & flip loans are business-purpose loans to a business entity (LLC, corporation, or LP) secured by non-owner-occupied property. Most borrowers without one form an entity in a day. DSCR rental loans are the exception: they can also close in your personal name.

Yes. First-timers fund on strong deals — up to 90% of purchase plus 100% of rehab. Credit and down payment set your leverage; experience improves your rate. Bring a real deal and the numbers do the talking.

On a Dutch loan you pay interest on the whole loan from day one, including rehab money still sitting in escrow. Non-Dutch means interest starts only when funds are drawn — on a $65K rehab budget drawn over months, that's real carry savings.

Talk to your loan officer early — depending on the file, budget increases can be reviewed rather than discovered at the end. The worst change orders are the silent ones.

Sell, or keep it — finished flips can refinance into a 30-year DSCR rental loan on the same platform, without starting over with a new lender.

/ One platform, whole lifecycle

Where this loan leads next.

KEEPING IT?

DSCR Rental

Refinance the finished flip into a 30-year rental loan — qualify on the rent.

BUILDING INSTEAD?

Ground-Up Construction

From dirt to done — land, vertical, and exit on one platform.

/ Ready when you are

Fund the flip.
Skip the wait.

Three minutes to start. A written term sheet as fast as same day.