Fix & Flip
Investor financing available in Washington, Oregon, California, and Arizona
Flexible Capital Built for Real Estate Investors
*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.
Investors: purchasing distressed or undervalued properties
Value-add renovation projects
Short-term resale strategies
Investors needing quick closings
Start By Filling out the Investor Loan Application at the Bottom of the Investor Loans Page.
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.
Yes. After completing a fix & flip project, many investors refinance into long-term financing such as a DSCR loan or conventional investment property loan. Refinance eligibility depends on the completed property's value, rental income, your credit profile, and lender seasoning requirements. Ask your loan officer about bridge-to-permanent or fix-to-rent financing strategies
Fix & Flip loans are available for non-owner-occupied investment properties, including single-family, multi-family, and mixed-use properties in eligible markets. Owner-occupied properties do not qualify. Eligible property types vary by lender and program.
An interest reserve is a portion of the loan funds set aside at closing to cover your monthly interest payments during the renovation period, reducing out-of-pocket expenses while work is underway. Because the interest reserve is funded from the loan itself, it increases your total loan amount and the overall cost of credit. Not all programs include an interest reserve — confirm availability and terms with your loan officer.
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.