Fix & flip loans
Short-term funding for real estate investors that covers purchase and rehab, sized to the project. Renovate on a schedule and exit to a sale or a longer-term refinance, without tying up your own cash.
Is a fix & flip
loan right for you?
A fix and flip loan is short-term, business-purpose capital for buying a property, funding the renovation, and selling or refinancing when the work is done. If most of these sound like you, it is worth a conversation.
- You are buying a property to renovate and resell, not a home you will live in.
- You want funding for both the purchase and the rehab, not just the purchase.
- You have a scope of work and a timeline, and you want draws that track it.
- You hold, or plan to hold, the project in an LLC or other entity.
- You already know your exit: a sale, or a refinance into a longer-term loan.
Key parameters
The shape of the program in plain terms. Exact numbers depend on the lender and the deal.
How a fix & flip loan comes together
Talk through the project
The property, the purchase price, the scope of work, and your exit. Bring your numbers; no paperwork required to start.
Size the deal
MaryAnn compares programs across lenders against your budget and after-repair value, and comes back with real options.
Set the draws
Purchase funds at closing, with rehab released in stages as the work is completed, each step explained before you commit.
Renovate and exit
She coordinates lender, title, and inspections through the project, and you sell or refinance when the work is done.
Fix & flip, answered
The questions investors ask most about fix and flip loans. Anything else, just call or text.
What is a fix and flip loan?
A fix and flip loan is short-term, business-purpose financing that funds the purchase and renovation of an investment property. It is not a consumer loan and is not for a home you intend to occupy. You repay it by selling the finished property or refinancing into a longer-term loan.
How much of the purchase and rehab can be financed?
These loans are marketed as covering up to 100% of purchase and rehab costs, but the actual amount depends on the lender, the deal, and the after-repair value. MaryAnn will tell you what the numbers support before you commit.
How do the draws work?
Purchase funds are typically provided at closing, and rehab money is released in stages as the work is completed and inspected. The draw schedule is matched to your scope of work so funding keeps pace with the project.
Can I close in an LLC or other entity?
Yes. Business-purpose investor loans can close in an LLC or other approved entity, subject to lender guidelines. MaryAnn will walk you through the trade-offs of entity versus personal ownership.
How do I pay off a fix and flip loan?
Through your exit, mapped before you close. Most investors sell the finished property, and some refinance into a DSCR or other longer-term loan to hold it as a rental. Either way, the plan is set up front.
Run your numbers.
Call or text MaryAnn directly, or schedule a time that works for you. Bring the deal and the scope; leave with real options.
Ready to apply? Start your application online (opens in a new tab)