Investor loans
Fix & Flip
Short-term financing that funds the purchase and renovation of a property you plan to sell or refinance.
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Fix & Flip at a glance
Acquisition + rehab
Purchase and renovation funding combined.
ARV-based
Analysis based on the property’s after-repair value.
Draw-based funding
Rehab funds released as work completes.
Entity borrowing
Borrow through an entity.
What is a fix & flip loan?
A fix & flip loan is short-term business-purpose financing for investors who buy a property, renovate it, and then exit — usually by selling it or refinancing into longer-term financing.
The loan typically covers both the acquisition and the renovation budget, with rehab funds drawn as work is completed. Analysis is based on the after-repair value (ARV) — an estimate of what the property will be worth once renovations are finished.
01
Purchase
02
Renovation
03
Resale / exit
When a fix & flip loan may make sense
For projects where the improvements are the value.
01Renovation margins
Properties where improvements add real value.
02Experienced flippers
Investors with a defined project plan.
03Newer investors
First-time flippers subject to guidelines.
04Buy-improve-hold
Investors renovating before refinancing long-term.
Example scenario
See how it could work
The property
A dated home purchased below its market potential.
The plan
Renovations completed on a project budget.
The funding
Purchase plus rehab, drawn as work completes.
The exit
Resale or refinance at the end of the term.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
Frequently asked questions
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Build your scenario and see whether Fix & Flip or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.