Fast funding for investment properties. Close in days, not weeks. Up to 90% of purchase + renovation costs covered — no personal income docs required.
Fix & flip loans are short-term bridge loans designed specifically for real estate investors purchasing properties to renovate and resell. Unlike conventional loans, qualification is based on the deal itself — the property's purchase price, condition, and after-repair value — not your W-2 or tax returns.
Renovation funds are not released all at once. They are disbursed in stages (draws) as work is completed and verified by an inspector. This protects both the lender and the borrower.
Most hard money and bridge lenders close in 5–10 business days with a clean file. Speed depends on title, appraisal, and how quickly you can provide property documentation. Some lenders offer same-week closings for repeat borrowers.
Experience is preferred but not always required. First-time flippers may need a larger down payment (25–30%) and a detailed renovation budget. Lenders want to see you have a realistic plan and a qualified contractor lined up.
ARV (After Repair Value) is the estimated value of the property after all renovations are complete. Lenders typically cap the loan at 65–75% of ARV — so a property with a $400K ARV could support up to $260K–$300K in total financing (purchase + renovation).
Yes — this is the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). Once the property is renovated and tenanted, you can refinance into a DSCR loan based on rental income, pull out your equity, and repeat the process.
Single-family homes, 2–4 unit properties, condos, and townhomes typically qualify. Some lenders also fund small multifamily (5–8 units) and mixed-use properties depending on the deal structure.
Talk to Rene about your deal. Fast pre-approval, no obligation.