Fix & Flip Loan Overview

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No Appraisal Needed | Fast Funding for Experienced  Investors

We help real estate investors move fast. Our Fix & Flip loan program offers 100% financing on both the purchase and rehab, with closings as quick as 7 business days. No traditional appraisal required. Just results.

• 100% Financing: Up to 100% of the purchase price + 100% of rehab costs
• Max ARV: 70% of After Repair Value
• Property Type: Minimum $55K purchase price with at least 3 beds / 2 baths
• Monthly Interest: ~1% per month, non-Dutch structure
• Close with your preferred Title Company

• Credit Score: 640+ (One-time hard pull after LOI is signed)
• Down Payment: 10% of total cost (purchase + rehab)
• Liquidity Reserves: 10–15%
• No W2s or tax returns required
• No Full Appraisal Needed – Desktop valuation only

Residential & 5–10 Unit Multifamily | Fast  Closings | No Experience Required

Want to get started in real estate investing with no prior flips? 

We offer a powerful Option 2 loan designed for new and growing investors. With  100% financing on purchase and rehab, this program is available across 18 states, with up to 75% ARV based on your credit and experience.

• 100% Financing: Purchase + Rehab covered
• Max ARV: 65%–75% based on credit and experience
• Loan Size: $100K–$1M (purchase price)
• Property Types: Single-family & Multifamily (5–10 units)
• Monthly Payments: ~1.1% of the amount used
• Close with your Title Company

• Credit Score: 650+ (Hard pull required)
• Down Payment: 0%
• Liquidity Reserves: 10–15% of the loan amount
• Investor Experience: None required
• Closing Costs: Approx. 5%
• Appraisal: Required
• LTV Based on Credit & Experience
  • 65% LTV: 650–700 credit, no experience
  • 70% LTV: 700+ credit, no experience
  • 75% LTV: 700+ credit, 1–2 past flips

AL, CT, DE, FL, GA, IN, KY, MD, MA, MO, NJ, NC, OH, PA, SC, TN, TX, VA

Most States | 2nd Lien Financing Included | Up to 75% ARV

Need a flexible structure to cover your full deal? 

We offer full-stack financing, including up to 20% down payment funded through a second lien at 18%. Designed for experienced investors, this option allows for 80–100% purchase financing, 100% rehab, and closing costs rolled into the loan.

• 80–100% Purchase + 100% Rehab
• Max ARV: 70–75%
• Full Stack Financing: 2nd lien included to cover down payment (if needed)
• Loan Amounts: Min $50K purchase price | Min $75K loan
• Monthly Payments: ~1–1.2% of funds used (rolled into loan)
• Closing Costs: ~5% (rolled into loan)
• Close with your Title Company

• Credit Score: 680+ (Soft pull
• Down Payment: 0–20% (Financed via second lien at 18%)
• Liquidity Reserves: 10–15% of the loan amount
• Investor Experience: Minimum 4–8 completed projects (fix & flips or rentals) in the last 5 years
• Appraisal: Required

Available in 22 States | Fast Funding | Low Entry Requirements

Need speed and flexibility? Option 4 is perfect for investors who need to close quickly—no full appraisal required and closings in as little as 5 business days. With up to 90% financing on both purchase and rehab, this program is available in 22 states and is designed to keep your projects moving fast.

• 90% Purchase + 90% Rehab Financing
• Max ARV: 70%
• Monthly Payments: ~1% per month
• Loan Term: 6–9 months max (includes 3-month prepay penalty)
• No Traditional Appraisal – Desktop valuation only
• Rehab Loan: Optional
• Close with your Title Company

• Credit Score: 640+ (One-time hard pull after LOI is signed)
• Down Payment: 10% of total cost (purchase + rehab)
• Liquidity Reserves: 10–15%
• Property Type: Minimum $55K purchase price with at least 3 beds / 2 baths
• No W2s or tax returns required

AL, AZ, CO, FL, GA, IN, IA, KS, KY, MA, MO, MT, NV, NC, SC, OH, OK, PA, TN, TX, UT, VA

Up to 75% ARV | Portfolio Option | Low Entry Barriers

New to real estate investing or looking to preserve your cash flow?

We offer deferred monthly payments with competitive rates and flexible terms. This program is perfect for beginner investors, offering up to 90% purchase and 100% rehab financing, with no prior experience required.

• 90% Purchase + 100% Rehab Financing
• Max ARV: 70–75%
• Monthly Payments: ~0.9% on funds used (10% rate)
• Loan Amount: Min $75K purchase price
• Appraisal Required
• Close with your Title Company

• Credit Score: 660+ (Soft pull)
• Down Payment: 10% of purchase price
• Liquidity Reserves: 10% of purchase price
• Closing Costs: Approx. 5%
• Investor Experience: Not required
• Portfolio Option Available

AZ, CO, GA, TN, TX | No Credit Score Required | Fast Capital Access

Need funding fast without the credit score hurdles? 

We deliver quick approvals and closings in as little as 2–5 business days, with no FICO score required and no full appraisal needed. Ideal for first-time investors or those working on tight timelines.

• 70–90% Purchase + 100% Rehab Financing
• Max ARV: 70–75%
• Monthly Payments: ~1% (No prepayment penalty)
• Loan Amount: Min $100K purchase price
• Property Types: Residential & Multifamily (5–10 units)
• Appraisal: Desktop only
• Close with your Title Company

• Credit Score: Not required (No FICO)
• Down Payment: 15–20% (No seasoning required)
• Liquidity Reserves: 10–15% of the loan amount
• Closing Costs: Approx. 5%
• Investor Experience: None required

AZ, CO, GA, TN, TX

GA, NC, SC, VA | No FICO Needed | Quick Closings for Experienced Investors

Looking for fast, no-hassle funding with no credit check and minimal documentation? 

We deliver quick closings with no full appraisal and no bank statements required (on loans up to $300K). Ideal for seasoned investors looking for a simplified process.

• 90% Purchase + 100% Rehab Financing
• Max ARV: 70%
• Loan Term: 6 months | Dutch interest | No prepayment penalty
• Monthly Payments: Flat 13.75% annualized
• Appraisal: No full appraisal – BPO only ($300)
• Loan Amount: $50K minimum
• Property Types:
  • Residential & Multifamily (5–10 units)
  • Commercial properties are allowed in SC
• Double Closing Allowed: +2% fee
• Close with your Title Company

• Credit Score: Not required (No FICO)
• Down Payment: 10% of purchase price
• Liquidity Reserves: No bank statements required (on loans up to $300K)
• Closing Costs: Approx. 5%
• Investor Experience: Minimum 2 completed projects

GA, NC, SC, VA

Nationwide (Except ) | Up to 80% ARV | Fast, Flexible Terms

Looking for high leverage and a quick close? 

We offer up to 95% purchase and 100% rehab financing, with no appraisal required and closings in just 7 business days. Designed for experienced investors who want national reach and speed.

• 95% Purchase + 100% Rehab Financing
• Max ARV: 80%
• Nationwide Lending (Except MS, NM, UT, VT)
• Monthly Payments: 8–10% interest (no prepayment penalty)
• Appraisal: Not required
• Loan Amount: Minimum $75K purchase price
• Property Types:
  • Residential
  • Manufactured Homes
  • Multifamily (5–10 units)
• Close with your Title Company

• Credit Score: 700 minimum
• Down Payment: 5–10% of purchase price
• Liquidity Reserves: 10–15% of the loan amount
• Closing Costs: Approx. 5%
• Investor Experience: Minimum 2 completed projects
• Rehab Financing: 100% funded

(Except MS, NM, UT, VT)

Fronted Rehab Funds | For Experienced Investors

Need more flexibility on renovation funds?  

This option is designed for experienced investors looking to scale faster with advanced rehab draws, meaning you can receive rehab funds upfront if you qualify. This program blends high leverage with investor-friendly terms, nationwide.

• 80% Purchase + 100% Rehab Financing
• Max LTV: 70%–75%
• Monthly Payments: ~1% interest (10.5%–11% annual, non-Dutch)
• Appraisal: Required
• Loan Amount: Minimum $75K purchase price
• Property Types: Residential & Multifamily (5–10 units)
• Up to 90% LTC (Loan-to-Cost)
• Advanced Rehab Draws Available (Fronted capital if 5+ projects completed)
• No Prepayment Penalty
• Payments Rolled Into the Loan
• Close with your Title Company

• Credit Score: 680+ (or 660+ if 2–3 completed projects)
• Down Payment: 20% of purchase price
• Liquidity Reserves: 10–15% of the loan amount
• Closing Costs: Approx. 5%
• Investor Experience: Minimum 2 (advanced draws available with 5+)

(Except ND, SD, VT)