Fix & Flip Loans for Investors

Compare our Rates and Points to the Competition!

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

Fix & Fix Product Facts:

  • 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.)

About us:

  • FACo provides loans for non-owner occupied residential real estate investors
  • Loans are asset-based, no income verification, and no W-2s required
  • Nationwide lender2

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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