Fix & Flip Overview:
What is a Fix & Flip Loan?
Documents you'll need
Benefits of Fix & Flip
Requirements for Fix & Flip
Apply today!
What is a Fix & Flip Loan?
A fix & flip loan is short-term financing that lets real estate investors quickly buy a property, fund renovations, and sell it for profit. Unlike traditional mortgages, these loans are all about speed; you get fast approval and funding, but typically pay higher interest rates (often 8-12%).
Perfect for:
Buying undervalued or distressed homes Covering renovation costs upfront Selling the property fast for a return
These loans do come with risk, but for experienced flippers, they’re a powerful tool to scale your business and lock in faster returns.
Fix and Flip Loans Made Simple
These short-term loans provide the capital to purchase, renovate, and resell properties quickly – typically within 12-18 months. Approval depends on your creditworthiness and the property’s after-repair value (ARV). Most lenders offer interest-only payments during renovations, with the full balance due upon sale.
Ideal for experienced investors, these loans require precise project timelines, accurate rehab budgets, and proven flipping expertise. While more expensive than traditional financing, they offer speed and flexibility crucial for profitable flips. Success depends on buying right, renovating smart, and selling fast.
Types of Fix & Flip Loans
Business line of credit
These loans work best for investors who’ve completed several successful flips and understand the risks. The flexible terms accommodate unique project timelines and unexpected renovation costs that often come with flipping
Hard money loans
When conventional loans move too slowly, these short-term options close in days, not weeks. They’re perfect when you’ve found a hot property but need immediate funding to secure the deal.
Home equity loan/home equity line of credit
Tapping into your primary residence’s equity can provide crucial flip funding. Just remember you’re putting your home on the line if the flip doesn’t go as planned.
Personal loans
With decent credit (580+), you can access just the right amount for strategic renovations. These loans shine when you don’t want to over-borrow for smaller-scale projects.
401(k) loans
Your 401(k) or IRA can become a funding source when other options dry up. Just consult a financial advisor first to understand the long-term implications.
Seller financing
When traditional lenders say no, a motivated seller might say yes to creative terms. Combining seller financing with a flip loan can create win-win solutions for tough deals.
The Documents you will need:
The Documents
you will need:
Unexpired Proof of Identification
Drivers License, Passport, etc.
Detailed Renovation Budget
Contractor bids with line-item costs or your own rehab budget showing exactly where every dollar goes
Business Banks Statements
2-3 months of statements showing active history
Appraisal Estimate
Lenders will require an after-repair value(ARV) estimate from
a licensed appraiser or real estate agent
Quick Closing
Pro Investor Capital closes loans in as little as 5–7 days, far faster than traditional lenders. This means you secure deals before competitors even finish paperwork.
Simple Process
We simplify everything—no endless documents or confusing hurdles. Just straightforward terms and a transparent process from application to funding.
Expert Service
Our dedicated loan experts bring decades of experience to every deal. As your premier mortgage lender we will craft solutions tailored to your project’s unique needs.
Fix & Flip Loans right for you?
Fix & Flip loans are perfect for investors who:
• Need to move fast – Close deals in days, not weeks, when you find the right property
• Think in ARV – Get funded based on the property’s potential, not just your tax returns
• Know renovations – Have the experience to accurately budget and execute rehabs
Take the Next Step
Skip the red tape of traditional loans—our fix & flip financing gets you the capital you need in as little as 7-10 days. We focus on the property’s potential, not your tax returns, so you can secure deals fast and fund renovations upfront. Contact us today and take advantage of competitive terms and a streamlined process!