Buy, Renovate, and Profit
Fix and flip financing that covers both the purchase and renovation in a single loan. Leverage and terms vary by program and are subject to qualification. Built for experienced and first-time flippers alike.
Get Fix & Flip Financing Talk to a SpecialistFix & Flip Loan Program Details
Hard money and bridge financing for real estate investors purchasing and renovating properties in Arizona, California, Nevada, Washington, and Colorado.
Purchase + Rehab in One Loan
Finance both the acquisition and renovation costs in a single loan. No need to arrange separate financing for the purchase and the rehab.
Purchase + Rehab Leverage
Finance the purchase plus verified renovation costs in one loan, sized against the after-repair value (ARV). Exact leverage varies by lender and program and is subject to qualification and underwriting approval.
12–18 Month Terms
Short-term bridge loans with 12 to 18 month terms — enough time to complete the renovation and sell or refinance the property.
Experience-Based Pricing
Experienced flippers with a track record may access different terms, and first-time flippers are welcome with an appropriate project scope and exit strategy. Pricing varies by program, subject to qualification.
Rehab Draw Schedule
Renovation funds disbursed in draws as work is completed and inspected. Keeps your project moving without tying up your capital.
Fast Approvals
Asset-based underwriting focused on the property's value and your renovation plan — not your personal income or tax returns.
Fix & Flip FAQ
What is a fix and flip loan and how does it work?
A fix and flip loan is short-term financing that covers a property's purchase and renovation in a single close, so you don't have to fund the rehab separately out of pocket. You typically exit by selling the finished property or refinancing it into longer-term financing. These are short-term, investor-only loans sized to the deal; exact leverage and terms vary by program and are subject to qualification and underwriting approval.
Can a first-time flipper with no rehab experience qualify for a fix and flip loan?
First-time flippers can be considered for fix & flip financing — a lack of prior flips does not automatically disqualify you. Lenders weigh the whole picture: the property and its numbers, your credit and reserves, your renovation plan, your contractor, and your exit strategy, and experienced investors may access different terms. Because guidelines vary by lender, bring us the deal and we'll match it to a program that works for a first-timer, subject to underwriting.
How do the rehab draws work — do I pay contractors first and get reimbursed, or does the lender front the money?
On most fix & flip and construction loans, renovation funds are held back and released in draws as work is completed and verified by inspection, so you generally fund or complete a stage and the lender reimburses that draw. Purchase funds are typically advanced at closing, while the rehab portion releases in stages. Exact draw schedules, timing, and any initial reserves vary by lender, so we'll confirm the specific cash-flow mechanics of your program before you close.
How fast can a fix and flip or bridge loan close?
Fix & flip and bridge programs are built for faster closings than conventional loans, and quick timelines are possible for clean files with prompt document turnaround and a cooperative title and appraisal process. We can't guarantee a specific number of days because timing depends on the lender, the property, and how fast information comes together. Tell us your deadline up front and we'll be straight about what's realistic — start at allapprovedhere.com/qualify or call (602) 628-1231.
Can I refinance a fix and flip or bridge loan into a long-term DSCR rental loan (BRRRR / flip-to-rent)?
Yes — refinancing a short-term bridge, flip, or construction loan into a DSCR rental loan is a common BRRRR / flip-to-rent path, and it qualifies on the property's rental cash flow rather than your personal income. This gives you a built-in backup if you'd rather hold and rent than sell, and we can broker both the short-term loan and the DSCR takeout so you don't line up financing twice. Whether the refinance works depends on the property's appraised value, cash flow, and your credit at that time, subject to underwriting approval.