100% Fix & Flip Capital Built for Real Estate Flippers
Fund up to 100% of purchase and 100% of rehab costs with fast, asset-based capital. Maximize your ROI on residential, multifamily, and mixed-use value-add projects with zero appraisal friction options.
Fix & Flip Valuation Received!
Mitchell Dunn is reviewing your purchase price, rehab budget, and ARV metrics. Expect a call shortly with exact leverage, rate terms, and draw schedules!
Understanding Fix & Flip Loans
What Is a Fix & Flip Loan?
A Fix & Flip loan is a short-term, asset-based capital strategy built specifically for real estate investors acquiring and renovating value-add properties.
Rather than evaluating tax returns or personal debt ratios, lenders base approval on the After Repair Value (ARV) and project scope, allowing you to fund purchase costs and 100% of your renovation budget.
Flip Strategy: Fast Acquisition + 100% Rehab Line = Maximum ROI.
Why Real Estate Flippers Choose Fix & Flip Loans
100% Purchase & Rehab Funding
Cover acquisition and renovation costs to maximize leverage and preserve working capital.
24-Hour Draw Turnaround
Access draw reimbursements in as little as 24 hours to keep contractors moving and projects on schedule.
No Appraisal Friction
Streamlined, in-house property valuations eliminate traditional appraisal delays for faster closings.
Diverse Property Types
Finance single-family homes, 2-4 units, multifamily, and mixed-use investment properties.
Capital up to $7.5M+
Flexible loan sizing tailored for both single property flips and high-volume investor portfolios.
Fix & Flip Loan Eligibility
Check if your property or value-add project qualifies for fix & flip financing. A quick review helps verify leverage, rehab budget, and exit structure with no obligation.
Eligible Property Types
Single-family residential (SFR), 2-4 unit properties, multifamily, and mixed-use investment assets.
Maximum Leverage
Fund up to 100% of purchase & 100% of rehab costs, capped at 70%-75% ARV.
Credit & Background
Minimum credit scores typically start at 620-680 FICO depending on program leverage.
Investor Experience
Programs available for first-time flippers up to seasoned investors with extensive track records.
Fast Draw Process
Rehab draw requests processed and released in as little as 24 hours to keep construction moving.
Vesting & Business Purpose
Business-purpose loans funded in LLCs, Corporations, Partnerships, or individual entity names.
How Fix & Flip Loans Work
Step 1
Submit Deal & Scope
Provide your purchase contract, property details, and estimated rehab budget for a fast review.
Step 2
In-House Valuation
We evaluate the After Repair Value (ARV) through streamlined, in-house underwriting with zero appraisal friction.
Step 3
Fast Closing & Funding
Close quickly with up to 100% financing for purchase and rehab so you can start renovation immediately.
Step 4
Rapid Draws & Exit
Request rehab draws funded in as little as 24 hours, then sell for profit or transition into long-term DSCR rental financing.
Frequently Asked Questions
Clear answers to help you structure your next fix & flip project.
Q. How much financing can I get for a Fix & Flip project?
You can fund up to 100% of the purchase price and 100% of the renovation budget, up to a maximum of 70% to 75% of the After Repair Value (ARV) depending on your experience and credit profile.
Q. What is the minimum credit score required?
Minimum credit score requirements typically start at 620 to 680 FICO depending on the program leverage and specific lender guidelines.
Q. Do I need prior flipping experience to qualify?
No! We work with both first-time flippers and experienced investors. For new investors, approval focuses on liquidity and a realistic project scope to ensure success.
Q. How do rehab draw requests work?
As renovation work is completed, you submit a draw request. Progress is verified, and funds are disbursed in as little as 24 hours so your project never slows down.
Q. Is a traditional appraisal required?
Many of our fix & flip programs offer no-appraisal options with streamlined in-house valuations, eliminating appraisal delays and closing deals faster.
Q. What property types are eligible for Fix & Flip loans?
Eligible property types include 1-4 unit residential properties, single-family homes, multifamily (5+ units), and mixed-use investment assets.
Why Investors Work With Loan Factory
Loan Factory helps real estate flippers compare Fix & Flip loan options across multiple wholesale lenders, ensuring maximum leverage and lowest cost capital for every deal.
See which Fix & Flip programs fit your project's ARV and rehab budget.
A quick review shows how much purchase and rehab capital you can unlock — up to 100% financing, no credit impact, no obligation.