Speed in, speed out. Our Fix & Flip program is built for operators who value clean execution—now with rates starting at 8.50% and no prepayment penalty. Close confidently, sell when the market is ready, or pivot to a cash-out DSCR refi below 6% when you decide to hold.

Quick Program Snapshot

• Rates: start at 8.50%

• Prepayment Penalty: None (sell or refi when it makes sense)

• Leverage (LTC):

  • Up to 90% LTC — experienced investors (3+ completed flips)

  • Up to 82.5% LTC — 1–2 completed flips with 700+ FICO

  • Max 60% LTC — FICO 660–699 / Foreign National

• Min FICO: 660 (700+ recommended for best terms)

• Loan size: $100K–$3M (to $4.5M case-by-case)

• Draws & reserves: milestone-based to match deposit → fabrication → delivery → install

New-Investor (Light Rehab) Track: We also finance light rehab for first-time flippers with 680+ FICO (700+ ideal)—tight scopes, solid comps, and vendor-backed budgets help you fly.

What “No Prepay” Means for Your Exit

• Sell early without a penalty. If your project turns in 4–6 months, you’re not punished for finishing fast.

• Refi to hold when it pencils. Move into our DSCR program with rates below 6% (starting at 5.75%) and keep more monthly cash flow.

• Optional rate buydown on the DSCR refi, with eligible costs often rolled into the refi (subject to LTV/DSCR and program rules) so you conserve cash.

What We Like to See (so you close faster)

• Experience or proxies: recent flips or relevant GC background

• Clean scope & budget: vendor quotes, contingency sized to risk (typically 7–15%)

• Comps & ARV support: before/after logic buyers and appraisers believe

• Timeline you can actually hit: Gantt + lead-time letters (windows/doors/HVAC, etc.)

Two Simple Paths

Sell & Move On

• Fund purchase + rehab at 8.50% start, finish early, no prepay—maximize IRR.

Fix, Then Hold

• Stabilize and cash-out DSCR at sub-6%. We’ll model payment, DSCR, and optional buydown break-even—and show how to roll eligible closing costs so you don’t drain cash.

Next Steps (Same-Day Soft Quote)

Send address, purchase status, scope/budget, timeline, comps, FICO band—and note if you’re selling or considering a cash-out hold.

👉 Start at LoanFunders.com or reply to this email.

Disclaimer: Not a commitment to lend. Terms, eligibility, and pricing subject to change and approval. Leverage, rates, and refi options vary by credit, DSCR/LTC, property, and market conditions.