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Guide · Investors
Fix and Flip Loans, Decoded for Investors
Fund the deal, not your tax returns. This guide explains how fix and flip loans work, how far the leverage really stretches, and why a first flip is not an automatic no.
Who it is for: Real estate investors who want to move on a deal fast, whether it is the first flip or one of many.
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- Direct, licensed mortgage lender
- NMLS #103098
- Equal Housing Lender
- Direct, licensed lenderNMLS #103098. Check our licences on NMLS Consumer Access.
- Short and plainWritten for one situation, in plain words.
- Email or textYou choose how the guide reaches you.
- A real personQuestions? A licensed loan officer at 732-686-9999.
Why it matters
The file is about the deal
A fix and flip loan is a short-term, business-purpose loan to buy and renovate a property no one in the deal will live in, then sell or refinance it. The file centres on the purchase, the rehab budget and a credible after-repair value, not your write-offs.
Two details catch investors out: how interest is charged on money released in draws, and how the loan amount can be capped more than one way at once. You cannot see either from an ad.
What the guide covers
- What a fix and flip loan actually is
- Interest on what you draw, versus the whole loan
- How the leverage works, in plain terms
- Why a first flip is not an automatic no, and why the ugly house can be the point
- What the lender still looks at, the honest tradeoffs, and questions to ask before you submit
The honest part. These loans are short-term and priced for speed. They suit a project with a real plan to sell or refinance, not a long hold.
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Educational only. Not a commitment to lend. Business purpose investor loans. This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice.