Buy, Renovate, and Profit
Fix and flip financing that covers both the purchase and renovation in a single loan. Up to 90% of purchase price and 100% of rehab costs. Quick closings for experienced and first-time flippers.
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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.
Up to 90% of Purchase
Borrow up to 90% of the purchase price and 100% of verified rehab costs, up to 70–75% of the after-repair value (ARV).
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
Better rates for experienced flippers with a track record. First-time flippers welcome with appropriate project scope and exit strategy.
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?
A fix and flip loan (also called a hard money or bridge loan) provides short-term financing to purchase and renovate a property with the intent to sell it for a profit. The loan is typically repaid when the property sells.
What is ARV?
ARV (After-Repair Value) is the estimated market value of the property after all renovations are complete. Lenders typically cap the loan at 70–75% of ARV to ensure there is sufficient equity upon completion.
Do I need experience to get a fix and flip loan?
Not necessarily. First-time flippers can qualify with the right project scope, exit strategy, and down payment. Experienced flippers receive better rates and higher leverage.
How fast can I close?
Fix and flip loans can close in as little as 7–14 days for experienced borrowers with complete documentation.