Fund your next flip in as few as 10 business days.
Business-purpose loans for real-estate investors — high leverage, interest-only, and 100% of your rehab funded in draws. Purchase or refinance, first deal or fiftieth.
Your advance is the lesser of ~92.5% of total cost (purchase + rehab) or 75% of ARV — whichever is lower.
A lender you can verify
Every point below is verifiable. We would rather earn your confidence than pressure it.
Licensed mortgage bank
A licensed mortgage bank operating under NMLS #103098 — not a broker or a lead marketplace.
Direct lender — we fund our own loans
We underwrite and fund in-house — no middleman between you and the money, so terms and closings are dependable.
Transparent terms
Interest-only, clear draw schedule, and generally no prepayment penalty — the full spec is published below.
Investor-first underwriting
First-time investors welcome (min ~680 FICO); experienced sponsors down to ~620 and up to $4.5M.
Three steps to funded
No repackaged bank process. Submit a deal, get a real number, and draw as you build.
Submit your deal
Send the address, purchase price, rehab budget, and your target ARV. 60-second form — no credit pull to start.
Get terms in 24 hours
We size your leverage — up to 90% of purchase and 100% of rehab — and send clear, interest-only terms.
Fund & draw
Close in as few as 10 business days. Rehab is released in draws as the work gets done. Repeat on the next one.
See your leverage before you call.
Plug in your own deal and see how it pencils on our program. Your exact numbers come back with your quote.
Illustrative estimate only — not an offer or approval, and excludes points, closing costs, and interest reserves. Subject to underwriting.
Get my exact numbers →Leverage where it counts
Loan amounts
From a single-family flip to a portfolio of value-add projects — priced the same clean way.
Flexible terms
Interest-only, balloon, with extensions available. Generally no prepayment penalty — pay it off when you sell.
One lender
Fix & Flip, Fix & Hold, Ground-Up Construction, and Bridge — purchase or refinance.
First-timers welcome
New investors qualify from ~680. Experienced investors go down to ~620 and up to $4.5M.
Property types
Non-owner-occupied residential, condos, and townhomes — even uninhabitable properties.
Close fast
As little as ~10% down. You borrow through your entity (LLC/LP/Corp); rehab funds via draws.
The terms, in writing
No teaser numbers buried in fine print. Here is the full borrower-facing spec sheet for our program.
Your actual advance is the lesser of up to 90% of purchase + 100% of rehab (~92.5% of total cost) or 75% of ARV. Every figure above is a starting parameter; your written terms are confirmed at underwriting. Uninhabitable properties are eligible.
Request a QuoteCapital you can build on
Modest, real feedback and representative deals the program is built to fund.
"Terms came back the next morning and we closed before our competing buyer's financing even cleared."
"The draw process was straightforward — funds hit when the work was done, no chasing."
"First flip and they still gave me real leverage. Made the whole deal possible."
Scenarios are representative examples for illustration only. They do not reflect specific historical loans. Rates and terms subject to change and to underwriting.
What you'll need
Have these handy and we can move fast. Not sure you have everything? Request a quote anyway — we'll guide you.
Fix & Flip FAQ
What rate can I expect?
Rates start at 8.25%, interest-only, and are priced to your experience, leverage, and the deal. You'll see your exact rate in your quote.
What are your fees?
Origination runs 2–3.5 points depending on the deal and your track record, plus a $1,495 underwriting fee and $250 per draw inspection. Appraisal typically runs $450–$900 depending on your state and property type. Every fee is spelled out in your written terms — no surprises at closing.
How much leverage do you offer?
Up to 90% of purchase price, up to ~92.5% loan-to-cost, up to 75% of after-repair value, and 100% of rehab financed and released in draws.
How fast can you close?
As few as 10 business days once we have your documents. Clean, complete files close fastest.
Do you work with first-time investors?
Yes. First-time investors qualify from about a 680 FICO. Experienced investors go down to ~620 and up to $4.5M.
What properties qualify?
Non-owner-occupied 1–4 unit residential, condos, and townhomes — including uninhabitable properties you plan to rehab.
Is there a prepayment penalty?
Generally no. You can pay the loan off when you sell or refinance without penalty. Terms run 6, 12, 18, or 24 months with extensions available.
How does rehab funding work?
100% of your rehab budget is financed and released in draws as work is completed and inspected — so you're not carrying the full cost up front.
Do I need an LLC?
Yes. These are business-purpose loans, so you'll borrow through an entity (LLC, LP, or Corp). We'll tell you exactly what entity docs to send.
Have a deal? Let's price it today.
Terms back in 24 hours. Funds in as few as 10 business days. No obligation.
Business-purpose loans made only to entities (LLC/LP/Corp) for non-owner-occupied investment properties. This is not a commitment to lend. All rates, leverage, and terms are illustrative starting parameters and are subject to underwriting, verification, and property eligibility.