Fix & Flip Financing
Capital That Moves as Fast as Your Deal.
Short-term bridge financing for residential and small commercial fix & flip projects. Close fast, renovate, sell — and do it again.
Built for the Pace of Fix & Flip
Fix & flip investing demands capital that can close in days, not weeks. Conventional lenders aren't built for distressed properties, tight timelines, or the volume that experienced flippers operate at.
Fix & flip bridge loans are structured around the deal — the after-repair value, the renovation scope, and the exit — not your personal tax returns. Whether you're doing your first flip or your fiftieth, the right financing structure is what separates a profitable project from a stressful one.
Program Parameters
How Fix & Flip Loans Are Structured
Loan Basis
Purchase price + renovation budget
Loan-to-ARV
Up to 70–75% of After-Repair Value
Loan-to-Cost
Up to 85–90% of total project cost
Loan Term
6, 9, or 12 months (extensions available)
Interest
Interest-only payments during hold period
Rehab Draws
Funds released in draws as work is completed
Close Timeline
As fast as 7–14 business days
Recourse
Full recourse and non-recourse options available
Scope of Work
Renovation Scopes We Finance
Light Rehab
- Paint, flooring, fixtures
- Kitchen and bath cosmetics
- Landscaping and curb appeal
- HVAC, electrical, plumbing updates
Heavy Rehab
- Full gut renovations
- Structural repairs and additions
- Foundation work
- New construction components
- ADU additions
Asset Classes
Eligible Property Types
Single Family Residences
The most common fix & flip asset class. Cosmetic to full gut renovations.
2–4 Unit Multifamily
Small multifamily flips with strong resale or rental exit strategies.
Condos & Townhomes
Eligible in most markets; warrantability and HOA reviewed at underwriting.
Small Mixed-Use
Residential over retail or light commercial with residential exit.
Non-Owner Occupied Only
Fix & flip programs are for investment properties — not primary residences.
Planning Your Exit
Exit Strategies
Retail Sale
The classic flip exit — renovate, list, sell to an owner-occupant at full market value.
Refinance to Hold
Complete the renovation, then refinance into a DSCR or conventional rental loan to hold as a long-term investment.
Wholesale After Rehab
Sell to another investor post-renovation at a discount for a faster, lower-friction exit.
Short-Term Rental
Renovate for the STR market, stabilize occupancy, then refinance or sell at a premium.
28 Years Financing Flippers
Fix & flip lending requires a lender who understands renovation timelines, draw schedules, contractor delays, and the pressure of a hard money clock ticking. With 28 years in investment property lending, I've structured financing for first-time flippers and seasoned operators running 20+ projects simultaneously. The goal is always the same: get you to the closing table fast, keep your capital working, and structure the loan so the numbers make sense on exit.
Common Questions
Frequently Asked Questions
Fix & flip financing has moving parts. Here are the questions investors ask most before structuring their first — or next — project.
Get Financed
Let's Structure Your Next Flip
Share the deal details and I'll put together a financing structure — purchase price, renovation budget, ARV, and projected returns — so you know exactly what the numbers look like before you commit.