Short-term financing to buy and renovate residential property up to 10 units. One loan covers the purchase and the rehab budget, funded in draws as the work gets done, so your capital stays free for the next deal.
A fix and flip loan is short-term, asset-based financing for a property you intend to renovate and sell. The lender underwrites the deal on two numbers: what the property is worth today, and what it will be worth once the work is finished. Your income documentation matters far less than whether the project pencils.
That structure is why experienced flippers use this kind of debt instead of a conventional mortgage. A bank wants a stabilized property and two years of tax returns. A flip is neither. It's a construction project with a resale date, and it needs money that understands renovation scope, contractor draws, and a hard closing deadline.
We built our fix and flip program around the way investors actually buy: fast quotes, clear conditions, and a draw process that doesn't strand your crew waiting on an inspection.
If your numbers hold and your scope is realistic, a shorter track record is not a dead end. We will tell you plainly what the deal needs.
When you have three houses open, the constraint is rarely finding deals. It's keeping capital available. Draw-funded rehab money keeps yours in play.
Duplexes through 10 units, where the plan is to renovate, raise rents or resell, and move on.
| Property types | Non-owner-occupied residential, 1–10 units |
|---|---|
| Loan purpose | Purchase and renovation, or refinance of a property you already own to fund the rehab |
| Rehab funding | Released in draws as work is completed and verified |
| Occupancy | Investment only. No primary residences. |
| Term structure | Short-term. Built around your renovation and resale timeline. |
| Pricing | Quoted per deal — ask for current terms |
Program parameters and pricing are set per deal and subject to change. Send us the property and we will put real terms in writing rather than quoting a range that moves.
Address, purchase price, rehab budget, and your exit. That's enough for a real quote, not a range.
We tell you what we can do and what the file needs. If the deal doesn't work, we say so early.
Purchase funds at closing. Your rehab budget is set aside and released as you complete the scope.
Submit draws as work clears. Sell or refinance into long-term debt when the property is done.
Every funded borrower gets a seat in the Borrowers Circle: in-person masterminds, monthly AI workshops, the December couples retreat, and the Education Vault — 200+ hours of training, models, and templates. No membership fee, no application, and none of it priced into your rate.
Short-term real estate financing that funds the purchase and renovation of an investment property you plan to resell. The loan is secured by the property, underwritten primarily on the deal rather than on your personal income, and repaid when you sell or refinance.
In practice they overlap. “Hard money” describes asset-based lending in general. What varies is who you're borrowing from: how quickly they can close, how they handle draws, and whether they understand renovation projects. Those differences show up in your holding costs, not in the label.
Often, yes. Experience helps, but a well-scoped first project with sound comps and a realistic budget is fundable. We will be direct about what a first-timer's file needs, including reserves and who is managing the renovation.
In draws. You complete a portion of the scope, submit the draw request with documentation, it gets verified, and the funds release. That's why an accurate scope of work matters at the start: clean scopes make fast draws.
Yes. Our fix and flip program covers non-owner-occupied residential properties up to 10 units, including duplexes, triplexes, and small apartment buildings.
Reach out through your quote before that becomes a problem. Investors commonly refinance a finished property into a long-term rental loan and hold it instead of selling. Because we also write DSCR rental loans, that conversation happens in one place.
Quotes come from people who invest for a living, not a call center. If the deal doesn't work, we'll tell you that too.