Fix and Flip Loans

 
Fix & Flip, Fix & Keep, and Ground‑Up Construction Loans for Investors
We offer Fix and Flip, Fix and Keep, and Ground‑Up Construction loans to empower real estate investors in acquiring, renovating, and building properties.

Fix & Flip Loans
Ideal for investors aiming to buy, renovate, and sell quickly, this strategy often involves hard money or bridge financing. In 2025, these short‑term loans typically close in as little as 20-30 days. Terms usually span 6–18 months, with some lenders extending to 24–36 months for larger projects.

Expect interest rates of:

8–14% typical for seasoned investors 
10.5–15% common in standard deals 

Loan structures often include:

Up to 85% loan‑to‑cost (LTC) or 70% loan‑to‑after‑repair value (ARV) 
Interest‑only payments, with points or origination fees of 1–3% 
This financing enables investors to act fast and capture double‑digit returns, returns that often outweigh traditional mortgage rates around 7%.

Fix & Keep Loans

Designed for investors who wish to renovate and hold properties long‑term, these loans offer more flexible structures. While interest rates can be similar to fix‑and‑flip loans, terms may extend to 24–36 months, providing time to refinance into permanent financing once stabilized.

Why Choose Our Loans?
Speed to closing: Funding in three to four weeks—much faster than traditional lenders.
High leverage: Borrow up to 90% LTC/70–80% ARV typically.
Flexible credit criteria: Often based on project viability over credit score.
Interest-only payments and no pre‑payment penalties let investors manage cash flow efficiently .
Tailored financing: Whether flipping, holding, or building, we match loan structures to investment goals.  Dutch and non-Dutch options available.
 
Typical Fix‑and‑Flip Loan Snapshot
Term Length 6-18 months
Interest Rate Range 6.99%-14%  Points 1-3
Loan-to-Cost (LTC) Up to 90%/ ARV 70%-80%
Funding Timeline 3-4 weeks
 
Ready to Level Up Your Investments?

Our loans give you:

Fast access to capital
Strong leverage
Flexible terms aligned with your goals
Contact us today to find the right financing—whether you're flipping, holding, or building.