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    • FIX AND FLIP
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  • TRANSACTIONAL FUNDING
    • TRANSACTION COORDINATION
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  • More
    • Home
    • REAL ESTATE LENDING
      • FIX AND FLIP
      • DSCR LOAN
      • GROUND UP CONSTRUCTION
      • COMMERCIAL
      • APPLICATION
    • BUSINESS LENDING
      • BUSINESS FUNDING
    • TRANSACTIONAL FUNDING
      • TRANSACTION COORDINATION
      • PML
  • Home
  • REAL ESTATE LENDING
    • FIX AND FLIP
    • DSCR LOAN
    • GROUND UP CONSTRUCTION
    • COMMERCIAL
    • APPLICATION
  • BUSINESS LENDING
    • BUSINESS FUNDING
  • TRANSACTIONAL FUNDING
    • TRANSACTION COORDINATION
    • PML

Fix & Flip Loan Overview

Flexible, Fast Funding to Renovate and Resell Real Estate—Nationwide

At Harvest REI, we help investors turn potential into profit. A Fix & Flip loan is short-term financing designed specifically for real estate investors who want to purchase, renovate, and quickly resell a property for a profit. Whether you’re just getting started or scaling your real estate business, we offer multiple Fix & Flip loan options to match your needs and experience level.

What Is a Fix & Flip Loan?

A Fix & Flip loan helps you buy a property in need of repairs or updates and provides additional capital to renovate it. Once the property is rehabbed, you can sell it at a higher price or refinance into long-term financing.

Example:
You find a property listed at $200,000 that needs $50,000 in rehab. A Fix & Flip loan could provide up to 90 – 100% of the purchase price and 100% of the rehab costs—so you can close fast, start the work immediately, and sell within 6–12 months.

What Properties Qualify?

  • Single-Family Homes
  • Townhomes & Condos
  • Small Multifamily (2–10 units)
  • Manufactured Homes (case-by-case)
  • Select Commercial Properties (in certain programs and states)

Properties must typically be non-owner occupied and located in eligible metro or suburban markets.

Why Do Investors Use Commercial Loans for Fix & Flips?

Fix & Flip loans are a type of business-purpose commercial loan, not a traditional mortgage. That means:

  • Faster approvals and closings
  • No W2s or tax returns required
  • Credit is reviewed, but deals are asset-based
  • Flexible loan structures with interest-only payments
  • Rehab funds are built into the loan

Things to Keep in Mind

  • Terms typically range from 6 to 12 months
  • Monthly payments are interest-only
  • You may need experience or reserves, depending on the program
  • Rehab draws may be advanced or reimbursed after work is completed
  • Closing costs and loan fees vary by loan type and state

Is a Fix & Flip Loan Right for You?

A Fix & Flip loan may be the right fit if:

  • You’ve found a great  deal, but don’t want to use all your capital
  • You’re comfortable managing renovations and reselling in a short time
  • You want to scale your flipping business quickly
  • You need fast, no-hassle funding with fewer income docs

FIX & FLIP FINANCING

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Ready to Get Started?

Whether you're flipping one home or managing multiple rehabs at once, our lending solutions help you scale responsibly and profitably.

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