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Finance of America Commercial is uniquely dedicated to providing our clients with more buying power. Our financial strength combined with our experience gives us the ability to deliver for you.

About Our Fix & Flip Product:

  • Finance of America Commercial offers INVESTMENT PROPERTY LOANS ONLY. If you’re interested in owner-occupied loans, visit Finance of America Mortgage to find a residential mortgage advisor near you.
  • NO PRIOR EXPERIENCE REQUIRED11
  • Bridge, Standard Rehab, and Extensive Rehab8 loan options1
  • Individual and Business approval for exposure limits up to $10MM with individual property loan amounts from $50K to $3MM12
  • No-fee alternative valuation option for eligible Standard Fix & Flip loans18
  • Funding up to 100% rehab budget up to % Approved LTV of Total Costs
  • Optional interest reserves
  • Internal & external desktop appraisal options available
  • Soft Costs included in financing (contractor’s fees, contingency fees, permits, surveys, etc.)

Get Started!

Complete the form below and one of our Account Executives will contact you to discuss your needs.

HOURS OF OPERATION:
Monday - Friday, 9AM to 6PM EST.

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  • By submitting your phone number, you expressly consent to authorize Finance of America Commercial to contact you at the number you provide with information about our loan products and to continue your application. Calls may be made using automated dialing and other phone technology. You do not need to consent to receive calls as a condition of receiving services from us. By completing this form, you agree to receive offers, promotions and other email messages from Finance of America Commercial. You may unsubscribe at any time.

Finance of America Commercial is your partner for all of your real estate investment financing needs

We are a commercial lender specializing in specializing in residential investment property loans. Whether you’ve hit the maximum number of loans available from conventional lenders, have non-traditional income, or just want a specialized loan designed for real estate investors, we have a product to meet your needs.1

We get that earning trust means more than just doing the paperwork – it means becoming a partner

We are committed to best-in-class customer service and to being your long-term, strategic partner. Whether you’re relatively new to the investment property industry or have been taking part for decades, our team is committed to providing the most innovative solution, but always with a personal touch.1

Fix & Flip Product Details

Fix & Flip Exposure Limit Loan
Loan Purpose
Rehab loan for non-owner occupied residential investment property
Interest Rate 1
As low as 6.75%, varies per individual property loan
Loan Amount
$50K - $3MM 12
Term
12 months standard,
18 month option available (subject to loan level pricing adjustment)
Borrower Type
Individual or Entity
Minimum Experience
NO prior experience required 11
Maximum Loan-to-Value (LTV)4
Standard Rehab up to 75% After Repair Value (ARV) LTV / Extensive Rehab up to 70% ARV LTV8
Maximum Loan-to-Cost (LTC)
Cost is purchase price amount5
Standard Rehab max 95% 16 / Extensive Rehab max 85% 8
When do we use LTV vs LTC?
Generally, we use the lesser of LTV or LTC calculation
Rehab/Construction Financing
Funding up to 100% rehab budget up to % Approved LTV of Total Costs
Foreign Nationals
  • Not allowed from ineligible country list
  • Limited to: 85% LTC / 70% ARV LTV max
PROPERTY TYPESNon-Owner Occupied:
  • Attached or detached SFR
  • 2-4 unit properties
  • Multi-family 5-20 unit properties
  • Mixed-use
  • Condos