Fix and Flip Loans (Hard Money & Bridge)

Fix and flip loans (sometimes called RTL — residential transition loans, or hard money) finance the purchase and rehab of a single-family or 2-4 unit property that you intend to renovate and resell within 12–18 months. Underwriting is based on the as-completed value (ARV) and your experience track record, not your personal DTI.

Highlights

  • Up to 90% of purchase price + 100% of rehab budget
  • Loan-to-ARV typically capped 70–75%
  • 12–18 month interest-only term
  • No income docs, no DTI calculation
  • Experience tier pricing rewards prior flips

Who it's for

Active flippers, first-time flippers with construction backgrounds, BRRRR investors who plan to refi into a DSCR, and wholesalers with double-close strategies.

Active programs that fit

Bridge Loan for Investors

confirmed 5/19/2026

Short-term bridge financing for investment residential and commercial real estate, offering quick funding without income or credit requirements.

no-doc

Fix & Flip Loan for Investors

confirmed 5/14/2026

Non-recourse bridge financing for real estate investors to acquire, renovate, and stabilize single-family and build-for-rent portfolios with terms up to 24 months.

LTV up to 90%

Fix & Flip Loan for Investors

confirmed 5/28/2026

Flexible fix and flip financing for 1-4 family properties, including manufactured homes and rural properties, with no income or reserves required.

FICO 500+LTV up to 70%no-income

Fix & Flip Loan for Investors

confirmed 5/20/2026

A fix and flip loan program for experienced real estate investors offering fast funding in as little as 5 days and potential for post-closing appraisals for qualified borrowers.

Bridge Loan for Investors

confirmed 5/20/2026

A short-term bridge loan with terms ranging from 12 to 24 months, designed for investors with at least 2 years of experience. This program does not require a DSCR calculation and offers up to 80% LTV.

FICO 700+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/20/2026

A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.

FICO 660+LTV up to 80%DSCR 0.8+dscr-only

Fix & Flip Loan for Investors

confirmed 5/20/2026

Short-term financing designed for real estate investors to acquire and renovate properties with fast closing timelines.

Bridge Loan for Investors

confirmed 5/20/2026

Short-term bridge financing for investment properties including SFR, multi-family, retail, and industrial assets with no appraisal required.

LTV up to 65%no-doc

Bridge Loan for Investors

confirmed 5/19/2026

A short-term financing solution for real estate investors to manage multiple projects and property acquisitions with a line of credit available for up to twelve months.

Fix & Flip Loan for Investors

confirmed 5/28/2026

A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.

FICO 650+LTV up to 90%full-doc

Fix & Flip Loan for Investors

confirmed 5/11/2026

Short-term financing for stalled construction or renovation projects, offering interest-only payments and up to 90% of cost for refinances.

FICO 660+LTV up to 90%

Bridge Loan for Investors

confirmed 5/11/2026

Short-term bridge financing for investment property purchases with no prepayment penalties.

FICO 680+LTV up to 75%

Fix & Flip Loan for Investors

confirmed 5/10/2026

Hard money financing for real estate investors covering up to 100% of purchase and rehab costs, limited to 70% of the after-repair value.

Fix & Flip Loan for Investors

confirmed 5/16/2026

Private hard money financing for investment residential and commercial real estate, offering fast closings and flexible terms for various project types.

no-doc

Fix & Flip Loan for Investors

confirmed 5/28/2026

Fix and flip financing for commercial projects with loan amounts up to $5MM, featuring options for light and heavy rehabs.

FICO 620+LTV up to 70%full-doc

Fix & Flip Loan for Investors

confirmed 5/29/2026

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

Bridge Loan for Investors

confirmed 5/12/2026

Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.

Bridge Loan for Investors

confirmed 6/4/2026

Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.

FICO 500+LTV up to 50%

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/9/2026

A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.

Bridge Loan for Investors

confirmed 5/9/2026

A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.

no-income

Bridge Loan for Investors

confirmed 5/10/2026

Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.

FICO 650+LTV up to 75%no-income

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 6/2/2026

Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.

Frequently asked questions

How is the loan amount calculated?

Two caps apply at the same time: a percentage of purchase price (often 85–90%) plus 100% of rehab budget, AND a percentage of the as-completed value (ARV), typically 70–75%. The lower of the two caps governs.

Do I need experience to get a fix and flip loan?

No, but pricing improves with experience. Most lenders tier rates by completed flips in the last 24–36 months: 0 flips, 1–2, 3–5, 6–10, 10+. First-time flippers with a strong contractor and reserves can still qualify.

How are rehab funds disbursed?

Rehab is held in escrow and released through a draw process — typically 3–6 draws based on completion of scoped line items, with an inspector verifying each draw.

How fast can a fix and flip loan close?

Clean files close in 7–10 business days. Title clearance and appraisal turn time are usually the bottlenecks, not loan underwriting.

Got a fix & flip scenario?

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Not ready to apply?

No pressure. Reach out with your scenario and we'll get back to you with a same-day response.