Fix & Flip Loans

Get the financing you need for your fix & flip and fix & hold properties

Get Started with a Fix & Flip Loan

Our Fix & Flip loans7 allow investors to acquire and/or renovate multiple properties up to an approved exposure limit (based on Individual & Business approval).

Key Facts About Our Fix & Flip Loans

  • NO prior experience required11
  • No-fee alternative valuation option now available (for eligible properties18)
  • Extensive rehab financing available (budgets > 50% of total costs)8
  • Individual and Business approval for exposure limits up to $10MM with individual property loan amounts from $50K to $3MM12
  • Financing for up 100% of renovation expenses, 95% LTC max 16, and 75% ARV LTV max
  • Optional interest reserves
  • Soft Costs included in financing (contractor’s fees, contingency fees, permits, surveys, etc.)
  • Foreign Nationals eligible
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

Why Choose a Fix & Flip Exposure Limit?

  • The Fix & Flip Exposure Limit is designed for investors who need funding for multiple flips and renovations.
  • Applying for an Exposure Limit is easy and allows investors to close Fix & Flip loans more quickly.
  • Grow with FACo: As you fund more property loans with us and gain experience, your terms may improve.
  • Extensive Rehab financing is available for larger Fix & Flip projects.
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