Financing program
Short-term fix and flip financing for real estate investors - up to 80% of purchase price and 100% of rehab costs. Close in 1-3 weeks. Single-family, multi-family, condo. One application, we match you with the right lender. Apply today.
Fix and flip loans are short-term loans for investors that can fund purchase and renovation. Many programs release rehab funds through draws, and the timeline depends on how quickly documents and the appraisal are completed.
A fix and flip loan is short-term financing designed for investors who buy distressed properties, renovate them, and sell for profit. Unlike traditional mortgages, these loans fund both the purchase and rehabilitation costs-often up to 80% of purchase price and 100% of rehab-in a single facility. Terms typically run 6-18 months, aligned with the flip timeline. When you're ready to move on a deal, fix and flip financing lets you close quickly without exhausting your reserves.
Axiant Partners connects real estate investors in all 50 states with lenders who specialize in fix and flip. We help you navigate structured programs versus hard money, compare LTV and rehab terms, and get from application to funding in as little as 1-3 weeks. One application, multiple lender options. Apply now to see what you qualify for.
Fix and flip financing covers a wide range of residential and small commercial scenarios. From single-family flips to multi-family value-add - here are the most common uses.
The classic fix and flip - distressed single-family homes bought, renovated, and resold. Kitchen and bath updates, flooring, curb appeal, systems. Fix and flip loans fund purchase and rehab-in one facility. Ideal for house flippers at any scale.
Small apartment buildings, duplexes, triplexes - value-add investors buy underperforming multi-family, renovate units, improve NOI, and sell or refinance. Fix and flip and bridge loans both support this strategy. Rehab draws fund unit-by-unit improvements.
Condos and townhouses often flip faster than single-family. Lower price points, HOA considerations, and interior-focused rehabs. Fix and flip programs cover purchase and renovation. Check lender eligibility - some programs focus on single-family.
One loan covers acquisition and renovation. Funds disburse at closing for purchase; rehab draws release as work progresses. Materials, labor, permits, carrying costs - all fundable. Aligns with how flippers actually execute deals.
Foreclosures, estate sales, motivated sellers - distressed and vacant properties often offer the best margins. Fix and flip lenders understand value-add; they underwrite on ARV and exit strategy, not current condition. See what is ARV in fix and flip.
Rehab funds release in draws as work is completed - inspection or appraisal before each draw. Carrying costs - interest, insurance, utilities - can often be financed. Structure aligns with project timeline and cash flow. How fast can you close - typical timeline 1-3 weeks.
Fix and flip loan sizes are driven by purchase price, rehab budget, and ARV. Representative ranges:
Up to 80% of purchase price - you bring the balance as down payment or skin in the deal.
Up to 100% of renovation costs, disbursed in draws as work completes.
Up to 90% of total project cost (purchase + rehab).
Loan typically capped at 75% of after-repair value. Stronger deals and borrowers may qualify for more. See maximum LTV and down payment requirements.
Deal sizes range from $50,000 for small flips to $2M+ for larger projects. Your amount depends on ARV, profit margin, and lender. Use our calculator to estimate payments.
Fix and flip loans offer advantages that traditional mortgages and conventional lending often cannot match for short-term value-add deals.
Hard money and structured fix and flip loans often close in 1-3 weeks. When you've found the right deal and need to move before someone else does, speed matters. Asset-focused underwriting - deal and exit drive approval.
One facility funds acquisition and renovation. No need to secure purchase financing separately and then hunt for construction loans. Simplifies closing and reduces transaction costs.
Maximize leverage. Put less cash in and keep reserves for the next deal. Rehab fully financed means you're not funding materials and labor out of pocket. Higher leverage = more deals with the same capital.
Rehab funds release in stages as work progresses. Inspection or appraisal before each draw protects the lender and ensures funds align with completed work. You're not fronting the full rehab cost upfront.
Two common structures - choose based on your deal, experience, and preference for speed vs. pricing. Fix and flip vs hard money - full comparison.
Asset-based lending with minimal income or credit requirements. Typically higher rates and fees, faster closing. Best for experienced investors with strong deals who prioritize speed. Underwriting focuses almost entirely on collateral and ARV.
Programs with clearer terms and underwriting based on both deal and borrower. May offer better rates and longer terms. Often suited for investors who want a more predictable process and competitive pricing. See typical fix and flip rates.
Fix and flip lenders evaluate three main areas. See what lenders look for for the full breakdown.
Purchase price, rehab budget, ARV, comparable sales, profit margin. Numbers must support the loan and a reasonable return. ARV drives leverage.
Experience, credit, liquidity, track record. Some programs available for newer investors with strong deals. See credit score requirements.
Clear plan to repay - typically sale within 6-18 months or refinance into long-term financing. Lenders want confidence you can execute.
Axiant Partners connects you with fix and flip lenders and guides you from application to funding. Most fix and flip loans close in 1-3 weeks. Prepare your deal package upfront.
01
Find a distressed property with clear value-add potential. Establish purchase price and rehab budget. Apply - one application goes to multiple fix and flip lender partners. We screen for fit.
02
Lender evaluates the deal: purchase price, rehab scope, ARV, comps, and your experience. Loan terms based on LTV, LTC, and ARV guidelines. Fast turnaround - 1-3 weeks typical.
03
Once approved, close. Purchase funds disburse at closing. Rehab funds are held for draws. You own the property and begin renovations.
04
Request draws as work completes. Inspection or appraisal before each draw. Finish the flip, list for sale. Repayment due upon sale or refinance. Then move to the next deal.
Single-family is the core of fix and flip. Distressed homes, outdated kitchens and baths, deferred maintenance - value-add potential is everywhere. Fix and flip financing funds the purchase and renovation in one loan. Draws release as you complete work. Sell within 6-18 months and recycle capital into the next deal. Whether you're doing one flip a year or scaling to multiple concurrent projects, single-family fix and flip loans give you the leverage to execute. Apply now to see what you qualify for.
Small multi-family - duplexes, triplexes, 4 - 12 unit buildings - offers value-add opportunities similar to single-family. Buy underperforming, renovate units, raise rents, improve NOI. Fix and flip or bridge loans fund the acquisition and renovation. Rehab draws cover unit-by-unit improvements. Exit via sale or refinance into long-term financing. Multi-family value-add scales well for investors building portfolios. Apply now for multi-family fix and flip options.
Fix and flip loans price higher than a conventional mortgage because they are short-term and secured by a property mid-renovation. Expect interest in the low-to-mid teens on most programs, typically structured as interest-only during the project so your monthly carry stays manageable while you rehab. On top of the rate, plan for points (an upfront fee of roughly 1–3% of the loan) and standard closing costs. Because the loan is short — usually 6–18 months — the rate matters less to your total cost than the points, the timeline, and how quickly you sell; a project that drags adds carrying cost fast. Compare offers on total cost, not the headline rate alone.
Two numbers drive how much a fix and flip lender will advance. ARV (after-repair value) is the appraised value of the property once renovations are complete — not what you pay for it today. Lenders lend against ARV because that is the value backing the loan at exit. LTV (loan-to-value) and its cousin LTC (loan-to-cost) set the ceiling: many programs go up to about 70–75% of ARV, and often up to 85–90% of purchase-plus-rehab cost, whichever is lower. In practice, the stronger your deal — a low purchase price relative to a well-supported ARV — the more the lender finances and the less cash you bring. A thin margin between cost and ARV is the fastest way to a smaller loan or a decline.
Fix and flip lending leans more on the deal and your experience than on credit, but credit still matters. Many programs look for a mid-600s score or better, and stronger credit earns better rates and higher leverage. Newer investors with a thin track record can still qualify with a strong deal and adequate liquidity, while experienced flippers with a proven record get the most flexible terms. If your score is on the lower end, expect to offset it with more cash in the deal or a co-borrower.
Speed is a core reason investors use fix and flip loans over a bank. A well-prepared file — clear deal numbers, a rehab budget, proof of funds for your down payment, and entity documents — can close in roughly one to three weeks, and some lenders move faster on repeat borrowers. The most common delays are a slow appraisal, an incomplete rehab scope, or title issues, so having those lined up before you apply is the difference between winning a competitive deal and losing it.
Deals collapse for predictable, mostly avoidable reasons. The big ones: an ARV that does not appraise (the projected value was optimistic), a rehab budget that is too thin for the scope, insufficient liquidity to cover the down payment plus reserves, and a weak exit (no clear buyer or refinance path). Lenders also back out late when the numbers shift — a higher purchase price or a comp that comes in soft. The protection is conservative numbers, a realistic budget with contingency, and cash reserves beyond the minimum; get all three right and financing rarely falls apart at the last minute.
Fix and flip financing is available nationwide. We work with investors in Texas, Florida, California, Arizona, Georgia, North Carolina, Illinois, New York, Colorado, Nevada, and all 50 states. Lender programs vary by state - we match you with programs that lend in your market.
Explore related financing: Commercial Bridge Loans (commercial property) · Commercial Real Estate Loans (long-term, owner-occupied) · All services
6-18 months (sometimes up to 24 months)
Typically higher than traditional mortgages due to short term and risk. See typical rates.
1 - 3 points or more at origination
Rehab funds released in stages as work progresses
Balloon at maturity - sale or refinance
Extensions may be available if you need more time to sell. Discuss hold period and extension options when applying. What if the market shifts? Some lenders offer one or more extensions - fees and terms vary. Plan your hold period realistically and have a backup exit strategy.
We focus on connecting you with the right fix and flip lender and moving your deal to funding.
Clarity on loan structure, terms, and funding timeline. No surprises.
We understand fix and flip financing. ARV, LTV, LTC, draw schedules - we help you navigate.
One application to multiple lenders. Compare hard money vs structured, terms, and pricing. Find the best fit.
We serve investors nationwide. Texas, Florida, California, Arizona, Georgia, North Carolina, and beyond.
One application, multiple options, support through closing. Apply now.
Hard money and structured fix and flip loans often close in 1-3 weeks, depending on lender and deal complexity. Prepare your deal package - purchase agreement, scope of work, contractor bids - to speed the process. How fast can you close.
Some programs require a track record; others are available for newer investors with strong deals and realistic rehab plans. Experience improves terms; first-time flippers can still qualify. Apply to see your options.
Typically in draws as work is completed. An inspection or appraisal is usually required before each draw. Lender approves the draw; funds release. Structure protects both parties and aligns funding with progress.
After Repair Value - the estimated value of the property once renovations are complete. Lenders use ARV to size the loan and set LTV/LTC limits. ARV must be supported by comparable sales. What is ARV in fix and flip.
Both fund purchase and rehab. Hard money is asset-based, minimal underwriting, typically faster and higher cost. Structured fix and flip programs offer clearer terms and may have better rates. Full comparison.
Apply for Fix and Flip Financing TodayExplore our guides on fix and flip financing, ARV, LTV, and lender criteria.
ARV, experience, deal structure for first-time investors.
Read →2-4 unit, ARV, rehab scope for multi-family deals.
Read →Remote investing, due diligence, lender requirements for out-of-state deals.
Read →How lenders evaluate the deal, borrower, and exit - ARV, credit, down payment, experience, and more.
Read →After Repair Value: how lenders calculate it, why it controls leverage, and common ARV mistakes.
Read →Compare structure, pricing, underwriting. Which fits single deals vs long-term growth?
Read →Typical timelines, what speeds up or delays funding, and how to prepare your deal package.
Read →If you have a fix and flip deal - single-family, multi-family, or condo - our team can help. Submit an application today. We'll match you with fix and flip lenders and guide you through to funding.
