How it Works

We can fund both land (if needed) and construction costs. Funds typically are disbursed in draws as construction progresses, with loan amounts based on the projected completed value.

Qualification Requirements

Loan Features

Up to 85–95% LTC
Up to 70–75% completed value
12–24 month interest-only terms
Draw-based funding
No interest on undrawn funds (in many programs)
Interest Reserve Options
Options for spec builds and investor-driven projects

Borrower Requirements

Experience preferred
Credit scores typically starting at 620
Strong liquidity and reserves
A licensed general contractor is typically required

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 building new construction properties

Developers executing tear-down and rebuild strategies

Investors taking on major renovation projects

Builders scaling spec home development

Experienced and emerging developers

Why Key One Financial?

Access to Multiple Lenders

We connect you with the best construction and heavy rehab lenders across multiple markets and deal types according to your goals.

Built Around Real Deals

We structure financing based on the scope of work, budget, timeline, and exit strategy.

Experience That Moves Deals Forward

We understand construction timelines, drawing processes, and lender requirements to help keep your project on track.

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.