We are pleased to announce that Finance of America Commercial is now part of the Roc360 family of companies! Our new website is located at facolending.com. Click here for the full announcement.
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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 required 
  • Extensive rehab financing available (budgets > 50% of total costs)
  • Individual and Business approval for Exposure Limits up to $10MM with individual property loan amounts from $50K to $3MM
  • Financing for up 100% of renovation expenses, 95% LTC max , and 75% ARV LTV max
  • Optional interest reserves
  • Soft Costs included in financing (contractor’s fees, contingency fees, permits, surveys, etc.)

Fix & Fix Product Facts:

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

Get Started

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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.

    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.

    Fix & Flip Product Details

    Fix & Flip Loan
    LOAN PURPOSE
    Rehab loan for non-owner occupied residential investment property
    LOAN AMOUNT
    $50K - $5MM
    TERM
    12 months standard,
    18 month option case-by-case
    BORROWER TYPE
    Entity required
    MINIMUM EXPERIENCE
    NO prior experience required
    MAXIMUM LOAN-TO-VALUE (LTV)4
    Up to 70% After Repair Value (ARV) LTV
    Maximum Loan-to-Cost (LTC)
    Cost is purchase price amount5
    Up to 90% LTC
    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
    PROPERTY TYPES
    Non-Owner Occupied:
    Attached or detached SFR
    2-4 unit properties
    Multi-family 5-20 unit properties
    Mixed-use
    Warrantable Condos
    Townhomes
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    ©2023 Finance of America Commercial is part of the Roc360 family of companies.

    A Roc360 affiliate is licensed as a California Finance Lender under Department of Financial Protection and Innovation 60DBO-69051; Arizona Commercial Mortgage Banker License 1002735; Florida Mortgage Lender Servicer License MLD1778; Nevada Mortgage Company (License #5100); North Carolina Loan Broker Registration Filing 315; West Virginia State Tax Department, Account #2410-0931. NMLS Company ID 1804080.

    All rights reserved. Equal housing lender.