FIX & FLIP LOANS
Fast, Flexible Financing for Real Estate Investors Who Renovate and Resell
Fix & flip loans help investors acquire, renovate, and sell investment properties with short-term capital designed around speed, project execution, and after-repair value.
$800M+
IN LOANS CLOSED
300+
PROJECTS FUNDED
200+
HAPPY CLIENTS
12+
YEARS OF EXPERIENCE
overview
Capital Built for Acquisition, Renovation, and Resale
Fix & flip loans are designed for real estate investors who need short-term financing to purchase and renovate properties for resale. Unlike traditional bank loans, fix & flip financing is often focused on the property, the renovation plan, the borrower’s experience, and the projected after-repair value.
Whether you are buying a distressed property, completing a cosmetic renovation, or taking on a larger rehab project, Build Lending underwrites and funds your fix & flip loan directly — you work with one team from term sheet through your final draw.
Our goal is to help you move quickly, secure the capital, and keep your project on track from acquisition through resale.
Fix & Flip loans can be used for
Property Purchases
Purchase investment properties quickly, including distressed, outdated, or value-add opportunities.
Renovation Budgets
Finance repairs, upgrades, and improvements needed to increase resale value.
Cosmetic Rehabs
Funding for lighter renovations such as flooring, paint, kitchens, bathrooms, and curb appeal.
Heavy Rehabs
Capital for larger renovation projects involving structural work, major systems, additions, or layout changes.
Action Purchases
Move fast on time-sensitive opportunities where traditional financing may not work.
Refinance Existing Projects
Refinance an existing loan, finish renovations, or create more time to sell the completed property.
Typical Fix & Flip Loan Structure
Loan Type
Short-term acquisition and renovation financing
Property Types
SFR, townhomes, condos, 2–4 units, select multifamily
Loan Amounts
$250,000 - $10,000,000+
Leverage
Up to 100% of Total Cost
Up to 85% ARV
Term
6-24 Months
Interest Payments
Interest-only payments
Exit Strategy
Sale, refinance, or rental hold
Actual terms vary by borrower qualifications, property type, project budget, market, and exit strategy.
What matters most to Fix & Flip lenders
Purchase Price & ARV
We evaluate the purchase price, current condition, renovation plan, and projected after-repair value.
Rehab Budget
A clear, realistic renovation budget helps lenders understand the project scope and required capital.
Borrower Experience
Prior fix & flip, construction, or real estate investing experience can improve lender confidence and available terms.
Property Condition
The current state of the property matters, especially if the project involves major repairs, structural issues, or deferred maintenance.
Timeline
We want to understand how long the renovation and resale process is expected to take.
Exit Strategy
Most fix & flip loans are repaid through a sale or refinance, so we want to see a realistic path to repayment.
frequently asked
Common Questions
A fix & flip loan is short-term financing used by real estate investors to purchase and renovate a property before selling it for profit or refinancing into longer-term financing.
Yes. Many fix & flip loans include both acquisition financing and renovation funds. Rehab funds are often released through a draw process as work is completed.
Timing depends on the borrower, property, appraisal requirements, title, and project complexity. In many cases, private fix & flip loans can close faster than traditional bank financing.
Experience helps, but we will consider first-time flippers if the deal is strong, the borrower has sufficient equity, and the renovation plan is realistic.
Fix & flip loans are commonly used for single-family homes, townhomes, condos, duplexes, triplexes, fourplexes, and select multifamily properties.
Rehab funds are typically released through draws after work is completed and verified.
Yes. Some borrowers refinance an existing fix & flip loan to complete renovations, extend the timeline, or transition the property into a rental hold.
We typically focus on the purchase price, ARV, rehab budget, borrower experience, equity, credit, liquidity, and exit strategy.
Ready to Fund Your Next Flip?
Whether you are purchasing your first investment property or scaling an active flipping business, Build Lending can help you find fix & flip loan options that fit your project.