Fix & Flip Loans – Fast Funding for Real Estate Investors
Fast credit-driven fix & flip loans for real estate investors nationwide. Approvals are based on credit score and flip experience so investors can close quickly and fund 1–4 unit flips with confidence.
Nationwide funding with closings in as little as 7–8 days. Same-day draw funding available for active projects.
- ✅ Up to 90% Purchase + 100% Rehab
- ✅ Interest-Only Payments
- ✅ Approvals Based on Credit & Flip Experience
- ✅ First-Time Flippers Welcome (660+ Credit Score)
- ✅ Close in as Little as 7–8 Days
- ✅ Nationwide Funding
Fix & Flip Loans for Real Estate Investors
Fix and flip loans are designed for real estate investors looking to purchase, renovate, and resell properties quickly for profit. Unlike traditional financing, these loans are credit-driven and based primarily on the property’s after-repair value (ARV), allowing investors to secure funding without relying on income documentation.
Investors across the country use fix and flip financing to move quickly in competitive markets. With closings in as little as 7–10 days, these loans allow you to compete with cash buyers and secure distressed or value-add opportunities before other investors.
How Fix & Flip Loans Work
Fix and flip loans are structured around the strength of the deal. Lenders evaluate the purchase price, renovation budget, and projected ARV to determine loan amounts and leverage. Most programs offer interest-only payments during the loan term, helping investors preserve cash flow while completing renovations.
Renovation funds are typically disbursed through a draw process, allowing investors to access capital as work is completed. With streamlined approvals and same-day draw funding options, investors can keep projects moving without delays.
Fix & Flip Loan Requirements
Most fix and flip lenders require a minimum 660 credit score for new investors, with stronger leverage available to experienced borrowers. While income is not the primary factor, lenders focus on credit profile, experience, and deal quality when structuring loans.
Whether you are a first-time flipper or managing multiple projects, fix and flip loans provide the speed, flexibility, and leverage needed to scale your real estate investing business.
Interactive 70% Rule Calculator
Use the 70% ARV rule to find your Maximum Allowable Offer (MAO). This calculates 70% of the finished value and subtracts renovation costs, leaving a 30% margin for profit and holding costs.
Fix & Flip Loan Terms & Overview (2026)
Fix and flip loans are short-term, credit-driven loans based on a property’s after-repair value (ARV). Close in as little as 7–10 days.
Investor Tip: ARV × 70% − Rehab = Maximum Allowable Offer (MAO)
Fix & Flip Loans for Beginners
First-time investors can qualify with a 660+ mid credit score. Our programs are structured to help new investors secure funding based on deal strength.
- ✅ 660+ Credit Score
- ✅ Up to 80–90% Purchase
- ✅ 100% Rehab Funding
- ✅ Close in 7–10 Days
Not sure if your deal qualifies? Submit your scenario for review.
Experience & Leverage
| Experience | Min FICO | Max LTC |
|---|---|---|
| 0 Deals | 660 | 75–90% |
| 1–4 Deals | 620+ | 85–90% |
| 5+ Deals | 620+ | 90% |
Fix & Flip Loan Requirements
Our fix and flip loans are credit-driven and structured based on borrower experience and deal strength. Use the guidelines below to quickly determine if your deal qualifies.
- ✅ 660+ Mid Credit Score for first-time investors (no prior flips required)
- ✅ 620+ Mid Credit Score with 2+ completed flips in the last 36 months
- ✅ Eligible Properties: 1–4 unit residential, townhouses, and condos
- ✅ Rural Properties: Allowed for experienced investors
Recent Fix & Flip Loan Case Studies
Branchburg, NJ – High Profit Flip
Experienced investor secured funding for a value-add single-family property with strong upside potential.
- Purchase Price: $225,000
- Rehab Budget: $227,500
- ARV: $700,000
- Loan Amount: $403,000 (57.6% LTC)
- Term: 12 Months
Result: Large equity spread with strong resale margin.
Dix Hills, NY – High Purchase Leverage
Investor leveraged high credit profile to secure strong purchase financing.
- Purchase Price: $825,000
- Rehab Budget: $96,000
- ARV: $1,157,000
- Loan Amount: $756,000 (80% LTC)
- Term: 12 Months
Result: High leverage with minimal cash into the deal.
Putnam County, NY – First-Time Investor Deal
New investor successfully closed their first flip using credit-driven financing.
- Purchase Price: $175,000
- Rehab Budget: $83,900
- ARV: $390,000
- Loan Amount: $232,650 (59% LTC)
- Term: 12 Months
Result: Strong entry deal with scalable future opportunities.
What Investors Are Saying
Same-Day Draw Funding
Submit draws by noon ET and receive funding the same day.
Fix & Flip Loans – Frequently Asked Questions
What is a fix and flip loan?
A fix and flip loan is a short-term, credit-driven loan used by real estate investors to purchase, renovate, and resell a property for profit. These loans are based on the property’s after-repair value (ARV), along with the borrower’s credit profile and experience, rather than personal income.
Can beginners qualify for fix and flip loans?
Yes. First-time investors can qualify with a minimum 660 credit score. While experience can improve leverage, approvals are primarily based on credit and the strength of the deal.
Can I get a fix and flip loan with no money down?
No. Fix and flip loans are credit-driven and require borrowers to have some financial investment in the deal. While strong deals can reduce out-of-pocket costs, investors should expect to bring in funds for closing costs, reserves, or portions of the purchase depending on leverage and risk.
What are the requirements for a fix and flip loan?
Requirements typically include a minimum 660 credit score, a viable renovation plan, and a property with strong after-repair value (ARV). Lenders evaluate credit, deal structure, and exit strategy when approving loans.
How fast can a fix and flip loan close?
Most fix and flip loans close within 7–10 days, depending on appraisal, title, and underwriting timelines. Fast closings allow investors to compete with cash buyers.
What credit score do I need for a fix and flip loan?
Most programs require a minimum 660 credit score, especially for first-time investors. Higher credit scores can improve leverage, pricing, and overall loan terms.
How much can I borrow for a fix and flip?
Investors can typically borrow up to 90% of the purchase price and 100% of renovation costs, depending on credit, experience, and deal strength. Loan amounts are based on ARV and loan-to-cost (LTC).
What types of properties qualify for fix and flip loans?
Eligible properties include single-family homes, 1–4 unit residential properties, and select small multifamily assets. Properties must have value-add potential and a clear exit strategy.
Ready to Fund Your Next Fix & Flip?
Close in 7–8 days with credit-driven financing.