Fix & Flip Loans
Funding Your Next Property Flip, Fast and Easy
Fix & Flip loans are short-term real estate loans designed specifically for investors who purchase undervalued properties, renovate them, and resell for a profit. These loans provide the capital needed to both acquire and improve a property quickly, ideal for time-sensitive opportunities.
How It Works:
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Up to 90% Loan-to-Cost (LTC): Finance up to 90% of the combined purchase price and renovation budget, reducing the amount of upfront cash required.
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Up to 75% After-Repair Value (ARV): Loans are based on the estimated value of the property after improvements, giving you access to more capital based on your project's potential.
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100% of Rehab Costs Funded: We cover the entire cost of renovations, so you can focus on adding value without tying up personal funds.
These loans typically have terms ranging from 6 to 18 months and are best suited for investors with a clear exit strategy, whether it’s a property resale or refinance.
If you’re looking to scale your flipping business or start your first project, Fix & Flip loans offer a powerful, flexible way to fund your investment.
New Construction Loans
Short-Term Financing for New Residential or Commercial Construction
New Construction Loans provide specialized financing to support ground-up development projects, allowing experienced builders and developers to fund all phases, from land acquisition to final construction. These loans are designed to cover the costs associated with building new residential or commercial properties from scratch.
How It Works:
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Comprehensive Funding: New Construction Loans typically cover land purchase, construction costs, permits, labor, materials, and other development expenses.
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Draw Schedule: Funds are disbursed in stages (draws) as the project progresses, based on inspections and completion milestones.
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Short-Term, Interest-Only: These loans usually have terms of 12 to 36 months with interest-only payments during construction to help manage cash flow.
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Underwriting Focus: Lenders evaluate the developer’s experience, project plans, budgets, and market feasibility to mitigate risks associated with new builds.
Who It’s For:
These loans are ideal for experienced developers and builders who have a proven track record in managing construction projects and need reliable capital to bring new developments to life. With flexible terms and structured disbursements, New Construction Loans help ensure projects stay on schedule and on budget until completion.
Bridge Debt
Bridge the Gap Between Opportunity and Long-Term Financing
Bridge debt is a short-term financing solution used by real estate investors and developers to "bridge the gap" between the acquisition or repositioning of a property and its eventual long-term financing or sale. These loans are commonly secured by multifamily or commercial real estate assets and are structured to provide the speed and flexibility that traditional loans often cannot.
How It Works:
Bridge loans are typically interest-only and have terms ranging from 6 to 36 months. They are used when a borrower needs to:
Acquire a property quickly before permanent financing is arranged
Reposition or improve a property to increase occupancy, income, or overall value
Refinance out of a maturing loan or other time-sensitive debt obligations
Who It’s For:
Bridge debt is ideal for investors or developers with a clear business plan to enhance a property’s performance, whether through capital improvements, increased rents, improved occupancy, or more efficient operations. Once the property stabilizes and meets conventional lending criteria, it can typically be refinanced with long-term, lower-cost debt.