Fix & Flip
Purchase plus rehab capital for cosmetic renovations, structural projects, flips, and fix-and-hold strategies.
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The thing that kills a flip isn't the purchase, it's the middle. Money arriving late, a draw held up over a receipt, a lender who has never actually stood in a gut job trying to figure out what the framing is going to cost. The rehab programs here are built the other way around: the budget gets funded in draws as the work clears inspection, and the draw process runs in-house rather than through a third party.
There are two tracks. Cosmetic covers non-structural work and takes first-time investors on eligible deals. Structural covers full-gut and load-bearing work, and asks for a track record because those projects go sideways in more expensive ways. Both run interest-only on terms from twelve to twenty-four months with no prepayment penalty, so selling early costs you nothing.
Program guidelines
Non-structural renovation. Open to first-time investors on eligible deals.
Full-gut and load-bearing work, for investors with a track record.
Program guidelines shown are maximum or minimum parameters, not an offer of credit. Every loan is subject to borrower, property, transaction, state, underwriting, and final approval.
Before you call
None of this is a document request and none of it is binding. It's the shortest list that lets someone give you a real answer instead of a range.
Start the quoteFAQ
On eligible cosmetic rehab deals, yes - the cosmetic program doesn't carry an experience minimum. Structural and full-gut projects do, because those are where inexperience gets expensive. Send the deal over and we'll tell you which track it fits.
In draws, as the work is completed and inspected, rather than as a lump sum at closing. Construction management, the draw process, and servicing all run in-house on these files, which is the main reason draws move faster here than through a lender who outsources them.
Loan-to-cost measures the loan against your total project cost - purchase plus rehab - rather than against the property's current value. On a flip that's the number that decides how much cash you have to bring, which is usually the question you're actually asking.
That's the plan, and it costs you nothing. There's no prepayment penalty on the rehab programs.
No. These are business-purpose loans on investment property. Owner-occupied primary residences aren't something we finance.
Send the property and the numbers. You'll get a straight answer on whether it's a fit - and if it isn't, you'll hear that quickly.