REAL ESTATE / FIX + FLIP
Fix-and-Flip Loans
Fix-and-flip capital lives or dies on basis, scope, budget, timeline, experience, ARV logic, and a credible exit strategy.
Buy. Improve. Plan the exit.
Fix-and-flip financing supports buying and rehabilitating property for resale. Funding draws and the final payoff must fit the renovation schedule and a credible sale plan.
Where it can fit
- Investors with a detailed renovation scope
- Projects with supportable resale assumptions
Common uses
What shapes the file.
- Acquisition basis and after-repair value
- Scope, budget and contingency
- Execution experience
General product guidance. A provider’s actual criteria and review determine eligibility.
Documents to prepare
- Purchase contract
- Detailed scope, contractor bids and budget
- Comparable sales and project timeline
Know the tradeoffs.
- Rehab funds may be reimbursed after work and inspection.
- Cost overruns or a delayed sale increase carrying costs.
T / CAPITAL, CONSIDERED
Put the numbers to work.
04 / CAPITAL, CONSIDERED
Keep these on the shortlist.
Hard Money LoansHard money can solve time-sensitive real estate problems when collateral, basis, and exit are stronger than the borrower's ability or willingness to wait for conventional underwriting.Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Ground-Up Construction LoansGround-up construction financing depends on more than a purchase price. Land basis, plans, permits, budget, draws, builder capability, leverage, and exit strategy all matter.
Q / CAPITAL, CONSIDERED
A question worth asking.
Are all renovation funds available at closing?
Often they are not. Review draw milestones, reimbursement timing, inspections and the cash you must contribute before a draw.
YOUR NEXT MOVE
Make your next move an informed one.
Start with your profile. Understand the tradeoffs. Prepare a clear request.