Turning distressed properties into market-ready homes? Our Fix & Flip program is built for speed, clarity, and experienced execution—so you can acquire, renovate, and exit with confidence. And now, we also offer a New-Investor (Light Rehab) track for qualified first-time flippers.

Quick Program Snapshot

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

• New-Investor (Light Rehab) Track: 680+ FICO (700+ recommended)

• Leverage (LTC):

  • Up to 90% LTC – Experienced investors (3+ completed flips)

  • Up to 82.5% LTC – Experienced (1–2 completed flips) with 700+ FICO

  • FICO 660–699 or Foreign National: Max 60% LTC (applies to all tracks, including new-investor)

• Rates: start at 8.25%

• Loan Size: $100,000–$3,000,000 (up to $4,500,000 case-by-case)

LTC = Loan / Total Project Cost (purchase + rehab + soft costs + contingency).
Light rehab typically means cosmetic/improvement scopes (e.g., paint, flooring, kitchens/baths without layout changes) and excludes heavy structural work.

Who It’s For

• Professional flippers scaling volume in supply-constrained zip codes.

• Contractor-led investors with tight scopes and reliable crews.

• New investors (light rehab) who meet 680+ FICO and want a clear path to their first exit.

• Operators who exit via resale—or plan to refi into DSCR once stabilized.

How Leverage Tiers Work (Simple Math)

Example A – 3+ completed flips (up to 90% LTC)

• Total project cost: $600,000 → Max loan $540,000; equity $60,000

Example B – 1–2 completed flips with 700+ FICO (up to 82.5% LTC)

• Total project cost: $480,000 → Max loan $396,000; equity $84,000

Example C – FICO 660–699 or Foreign National (max 60% LTC)

• Total project cost: $750,000 → Max loan $450,000; equity $300,000

Note: New-Investor (Light Rehab) files are priced and levered case-by-case based on scope, comps/ARV support, and experience proxies. Standard caps (e.g., 660–699 FICO = max 82% LTC) still apply.

What We Look For (so your file moves fast)

• Experience proof (if any): addresses, role, margins, timelines on recent flips—or construction/GC background.

• Clean scope & budget: labor/material line items, contingency, draw plan; “light rehab” clearly identified.

• Before/after comps: realistic ARV supported by MLS/market data.

• Team readiness: GC license/insurance (if applicable), key vendor quotes.

• Exit clarity: resale comps or a DSCR take-out plan if you’ll hold.

Strengthen Your File (and Pricing)

• Aim for 700+ FICO to unlock stronger terms and smoother underwriting.

• Tighten bids & timelines: current vendor quotes reduce underwriting haircuts and change orders.

• Right-size contingency: shows control and protects timelines.

• Photos, permits, HOA approvals: upfront documentation speeds approvals and draws.

Fast FAQs

Q: What does the loan cover?
A: Typically purchase, rehab, and approved soft costs within your LTC limit.

Q: Who qualifies for the New-Investor (Light Rehab) track?
A: Investors with 680+ FICO (700+ recommended) and light, clearly defined scopes. Heavy structural projects are not eligible for this track.

Q: Can Foreign Nationals qualify?
A: Yes—max 60% LTC with standard documentation.

Q: What about after the flip?
A: Many investors refi into our DSCR program if they decide to hold as a rental.

Q: How do exceptions to $4.5M work?
A: Strong files with tight budgets and comps may be considered case-by-case.

Next Steps

Reply with address, purchase status, scope/budget, timeline, comps, and brief experience—or upload your scenario at LoanFunders.com for a soft quote. We’ll map LTC eligibility, rate scenarios (from 8.25%), and the cleanest path to closing.

Disclaimer: Program terms, guidelines, and pricing are subject to change without notice and may vary by scenario. This is not a commitment to lend. All loans subject to underwriting and applicable regulations.