Fix & Flip Loans
Short-term financing for investors acquiring and renovating non-owner-occupied 1–4 unit residential properties. Up to 90% of purchase and 100% of rehab.
Tell us about the property
We lend in most states across the country.
Eligible properties
- Single family residence
- 2–4 unit multifamily
- Condominiums (outside FL)
- Townhomes
- Planned unit developments (PUD)
Not eligible
- Mixed-use properties
- Florida condominiums
- 5+ unit multifamily
- Condotels / Co-ops
- Mobile / manufactured housing
- Commercial property
- Cabins / log homes
- Rural / unpaved-road properties (tier-3 only, 65% max)
Good to know
Loans above $1M (up to $3.5M) subject to underwriter pre-screen.
Maximum total points (broker + lender) is 5; broker points must be ≤ lender points.
No minimum interest earned — no prepayment penalty.
US citizens, green-card holders, and qualifying foreign nationals borrowing through an LLC or corporation.
Guarantor net worth of at least 10% of the loan amount.
Required above $500K in NJ/NY, above $2M in CA/HI, and above $1M in all other states.
Applications under the program FICO minimum aren't auto-declined — they're flagged for manual review.
Why investors choose this program
Up to 90% LTC / 100% of rehab
Close in days, not months
$50k–$1M ($3.5M with pre-screen)
660 min FICO (600 floor at discretion)