How it Works

We lend based on the purchase price and renovation budget, with loan amounts often tied to the after-repair value (ARV). Funds for rehab are typically released in draws as work is completed.

Qualification Requirements

Loan Features

Up to 95% LTC
Up to 75% ARV
6–24 month terms
Interest-only payments
No prepayment penalty (common)
No interest on undrawn rehab funds (in many programs)
Interest reserve options
No Appraisal options

Borrower Requirements

Credit scores typically starting at 620
Experience preferred (first-time investors considered)
Liquidity for reserves and project costs

Documentation

Rehab Budget Form
Investor Application (On Investor Page)
Purchase contract
Experience Form
Statements of Accounts showing Liquidity
Entity Docs

*Loan programs are available for qualified borrowers and are subject to lender approval. Terms, rates, and program guidelines vary based on borrower profile, credit, property type, and overall transaction details. Not all applicants will qualify for all programs.

Who Fix & Flip Loans Are Best For:

Investors: purchasing distressed or undervalued properties

Value-add renovation projects

Short-term resale strategies

Investors needing quick closings

Why Key One Financial?

Access to Multiple Lenders

We source competitive fix & flip options across multiple lenders.

Built Around Real Deals

We structure loans based on ARV, scope of work, and exit strategy.

Experience That Moves Deals Forward

We understand timelines and help you move quickly from contract to closing.

Explore Your Fix & Flip Loan Options Today

Start By Filling out the Investor Loan Application at the Bottom of the Investor Loans Page.

Get Started Now

Common Questions on Fix & Flip Loans

LTC (Loan-to-Cost): Percentage of purchase + rehab covered
ARV (After Repair Value): Future value after renovations

Both are used together to determine the maximum loan amount.

Experience is preferred but not always required. First-time investors can qualify depending on credit, liquidity, and strength of the deal.

Yes. Most fix & flip loans are structured with interest-only payments during the term.

Many programs require an appraisal to determine ARV, but some lenders offer no-appraisal or alternative valuation options depending on the deal and borrower profile.

Closings can happen in as little as 5–10 days for qualified borrowers and straightforward deals, depending on appraisal and documentation requirements.

Rehab funds are held by the lender and released in draws as work is completed. After each phase, an inspection is completed before funds are disbursed.

Many programs require an appraisal to determine ARV, but some lenders offer no-appraisal or alternative valuation options depending on the deal and borrower profile.

Yes. Bank statement loans can be used for primary residences, second homes, and investment properties. This makes them a strong option for both business owners and real estate investors.

An interest reserve is a portion of the loan set aside to cover monthly interest payments during the project, reducing out-of-pocket expenses while the property is being renovated.

ARV (After Repair Value) is typically determined through an appraisal, broker price opinion (BPO), or internal valuation based on comparable sales, scope of work, and market conditions.

In many programs, you only pay interest on funds that have been drawn (not the full rehab budget), often referred to as “non-Dutch interest.