Kitchen Table Guide · 6 min read
Fix & Flip Loans
Short-term financing for investors who buy, renovate, and resell.
A fix and flip loan is built around the numbers of the project, not the timeline of a traditional mortgage. It's short-term, purpose-built financing designed to help experienced investors acquire a property, fund the renovation, and exit on sale.
How the Structure Usually Works
- ✔ Financing based on both the purchase price and the after-repair value
- ✔ A rehab budget that's funded in draws as work is completed
- ✔ Short terms — typically 6 to 18 months
- ✔ Exit through sale or refinance into long-term financing
Who These Loans Fit
Investors with a clear scope of work, a realistic budget, and a track record of getting projects across the finish line. First-time flippers can qualify too — program guidelines vary, and experience often affects leverage and pricing.
Things to Consider
The economics of a flip live and die on the numbers. We'll help you stress-test the deal, plan the exit, and compare fix and flip financing to alternatives like a bridge loan or a DSCR loan if you decide to hold the property as a rental.
A conversation, not a sales pitch
Pull Up a Chair.
Bring the address, the scope of work, and the exit plan. We'll help you decide whether the deal pencils — and structure the financing to match.