Fix & Flip Loans
Fix and Flip Loans for Real Estate Investors
Fix and flip loans are designed for investors who want to purchase, renovate, and quickly resell properties for profit. These short-term financing solutions provide fast access to capital so you can move quickly on profitable opportunities.
At Puget Sound Funding Solutions, we connect investors with experienced lenders offering fast, flexible fix and flip financing across the United States.
What Is a Fix and Flip Loan?
A fix and flip loan is a short-term real estate investment loan used to acquire and renovate a property before selling it. These loans are structured around the value of the deal — not just the borrower’s income — making them ideal for active investors.
How It Works
- Identify a property with profit potential
- Secure financing for purchase and renovation
- Complete improvements to increase property value
- Sell the property or refinance into a long-term loan
Key Benefits
- Fast approvals and closings (often in 5–10 days)
- Funding for both purchase and renovation costs
- Flexible loan structures based on the deal
- Less reliance on traditional income verification
- Designed specifically for real estate investors
Typical Loan Terms (Example)
- Loan Type: Fix & Flip / Short-Term Investment Loan
- Term: 6–18 months
- Loan-to-Value (LTV): Up to 70% (purchase)
- After Repair Value (ARV): Up to 80% (project dependent)
- Rates: Typically 8%–12% APR (subject to market conditions)
- Points & Fees: 2–4 points + closing costs
The terms provided above are for informational purposes only and do not constitute a loan offer. Actual loan terms may vary based on borrower qualifications, experience, credit profile, property details, and market conditions. All loans are subject to lender approval.
What Types of Properties Qualify?
- Single-family homes
- Multi-family properties
- Distressed or undervalued properties
- Properties requiring renovation or repositioning
Who Qualifies?
Fix and flip loans are available to both experienced and newer investors. Lenders typically evaluate:
- Deal strength and profit potential
- After Repair Value (ARV)
- Borrower experience (preferred but not always required)
- Credit profile and available capital
Example Deal Scenario
- Purchase Price: $200,000
- Renovation Budget: $50,000
- After Repair Value (ARV): $320,000
In this scenario, a lender may fund a significant portion of the purchase and rehab costs based on the projected ARV — allowing you to complete the project with less out-of-pocket capital.
Why Work With Us?
We specialize in helping investors secure fast and flexible financing for fix and flip projects. Our lender network allows us to match your deal with the right funding source quickly.
- Access to multiple fix and flip lenders
- Fast deal evaluation and response
- Flexible loan structuring
- Investor-focused approach
Get Started
Have a deal ready? Don’t miss the opportunity. Submit your loan inquiry today and get connected with the right financing solution.