Money for the purchase and the work on your timeline.
Fix and flip loans can help real estate investors finance property purchases and renovations with flexible financing options. This is really the core idea behind fix and flip financing, since it gives you the money to buy the property and cover the renovation work under one plan.
We compare fix and flip loan options across 100+ lenders to help you find the right fit for your investment goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Fix and flip financing is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You are buying to renovate and sell | The core use. Short-term money against a defined project | Bridge loans → |
| The property will not pass a normal appraisal | Homes that are not habitable cannot be financed conventionally | FHA 203k → |
| You are competing at auction or against cash | Speed is the product here as much as the money | Talk to us → |
| You have done this before | Experience genuinely improves your terms in this market | Portfolio loans → |
| You intend to keep it and rent it instead | Then you want the exit planned from the start | DSCR loans → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward
2
We Shop 100+ Lenders
We compare fix and flip lenders and find the loan options that actually fit your project, not a one-size-fits-all pitch.
3
You Choose. We Close
Pick the option that works for you. We handle everything from underwriting to closing.
What a fix and flip file needs
The deal
Purchase price, the work, and the projected value afterward. These three numbers are really the whole file when it comes to fix and flip loans.
A scope and budget
Priced properly rather than estimated. Lenders read this closely before approving any fix and flip funding.
Track record, if you have one
Previous projects improve your terms materially, though first-timers can still borrow. This is one of the more common questions we get about fix and flip loans for beginners, since a lot of new investors assume they need experience to qualify at all, and that is simply not true.
A deposit and cash for the work
Draws usually reimburse work done rather than fund it upfront.
An exit plan
Sale or refinance. The lender wants to know exactly how they get repaid before they fund a fix and flip loan in the first place.
Speed on your side too
These lenders move fast. Slow paperwork from you is usually what delays things, not the lender itself.
We do not throw rates or numbers at you here on purpose. Your actual numbers depend on your credit, the property, and the program you land on. A licensed loan officer can give you real figures on a call.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Draws reimburse, they do not advance
You generally pay for a stage of work; it gets inspected, then you are reimbursed. Budget working capital for that gap, since this trips up a lot of first-time flippers.
It is short-term money
The clock starts at closing. If the project overruns, extensions cost money, so build in more time than the plan says.
The clock starts at closing. If the project overruns, extensions cost money. Build in more time than the plan says.
Your exit needs to be real
If the sale is slow, the refinance option has to actually be available. Plan both routes before you buy, not afterward.
Nadeem Bhatti
Where we place fix and flip loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What flippers ask first
Can I get one as a first-time flipper?
Usually yes, though experience does improve your terms. Bring a properly costed plan rather than a rough estimate, and know that fix and flip loans for beginners are more available than most new investors realize.
How do the draws work?
Draws typically reimburse completed work rather than fund it upfront, so budget your own working capital for that gap when planning any fix and flip funding.
How fast can you close?
Speed is one of the main advantages of this type of financing. Many hard money fix and flip loans can close significantly faster than a traditional mortgage, sometimes within a couple of weeks.
Fast, when the deal is clear. Tell us your deadline at the start and we will tell you honestly if it is achievable.
What if it does not sell?
Then your exit plan needs a backup, usually a refinance. This is why we always recommend having both a sale and a fix-and-flip refinance option lined up before you ever close on the property.
Then you refinance onto a rental loan, usually DSCR. Arrange that exit before you buy rather than when you need it.
Can I use a 203k instead?
In some cases, yes. An FHA 203k loan can work for properties that will not pass a standard appraisal, though it comes with its own rules around owner occupancy that a typical fix and flip loan does not require.
What is a fix and flip loan compared to a regular mortgage?
A what is a fix and flip loan comparison against a standard mortgage really comes down to timeline and purpose. A fix and flip loan is short-term and built for renovation and resale, while a regular mortgage is long-term and built for a buyer planning to live in the home.
Get your project priced
Send us the purchase price, the scope and the projected value. We will price it and tell you the realistic timeline, free.