01. Loans
Fix & flip / bridge
Buy it, fix it, then sell it or keep it. One loan covers the purchase and the rehab.
Fix & flip
| What's financed | Purchase + rehab costs |
|---|---|
| Leverage | Up to 100% of cost |
| Loan as % of ARV | Up to 75% |
| Loan size | $50K to $5MM |
| Term | 6 to 24 months |
| Payments | Interest-only |
| Prepayment penalty | None |
| Appraisal | Not required on eligible programs |
| Close in | As few as 3 days in most states |
| Rates from | 8.25% |
| States | 47 states (not ND, SD or NV) |
Bridge
For when you need to close fast and don't need rehab money.
| Leverage | Up to 85% LTV |
|---|
Fix to rent (BRRRR)
Buy, rehab, rent, refinance, repeat — with the refinance lined up from the start.
| Terms | 6–24 months to buy and rehab, then a 30- or 40-year refinance |
|---|---|
| Recourse | Non-recourse available |
| Income verification | Not required |
| Refinance seasoning | As little as 0 months |
| Cash-out | Up to 80% |
A good fit if…
- You're buying a property to renovate
- You need to close fast to win the deal
- You'd rather skip the appraisal where you can
- You plan to sell, or refinance into a rental loan
Not a fit if…
- You plan to live in it. These are investment loans only.
- You're holding long term with no rehab — see Rentals (DSCR)
What we’ll ask for
- Purchase contract (or settlement statement and payoff for a refinance)
- Rehab scope of work and budget
- Your track record, if you have one
- Plans, permits or contractor info when the scope calls for them