Fix & Flip Loans
Fund the purchase and the rehab
Acquisition plus renovation in a single, fast-closing loan — so you can buy, renovate, and sell without tying up your own cash.
At a glance
Illustrative terms via licensed lending partners*
- Loan-to-cost
- Up to ~90%
- Rehab funds
- Included, draw-based
- Basis
- After-repair value (ARV)
- Term
- Short-term (typically 12–18 months)
- Property
- Non-owner-occupied investment
How it works
Fix-and-flip financing funds both the purchase and the renovation of an investment property, with rehab money released as the work progresses. It's built for investors who need to move quickly and preserve their own capital across multiple projects.
Leverage is based on the project — purchase price plus rehab budget against the after-repair value (ARV) — so a strong deal can be financed with relatively little out of pocket.
Why business owners choose this
Purchase + rehab
One loan covers acquisition and renovation, with draws released as work is completed.
Preserve your cash
High leverage on cost keeps your own capital free for the next deal.
ARV-based sizing
Leverage reflects the after-repair value, rewarding strong deals.
Speed
Fast closings let you compete for the best opportunities.
Is this right for you?
This option tends to be a strong fit when you're:
- Buying and renovating a property to resell
- Investors running multiple projects at once
- Deals that need both acquisition and rehab capital
- Preserving cash reserves across a pipeline
Common questions
What is a fix-and-flip loan?
It's short-term financing that funds both the purchase and the renovation of an investment property, with rehab money released in draws as the work is completed.
How much will it cover?
Many programs lend up to about 90% of project cost (purchase plus rehab), sized against the property's after-repair value.
How are rehab funds released?
Renovation funds are typically released in draws as milestones are inspected and completed.
What's the term?
Fix-and-flip loans are short-term, commonly 12–18 months, matched to the renovate-and-sell timeline.
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Learn more*Terms shown are illustrative and provided through AltFi's licensed lending partners. Actual rates, amounts, and terms depend on your credit, equity, property, and the product selected, and are subject to underwriting and approval. AltFi Real Estate is not a lender and does not make credit decisions. This is not a commitment to lend. Equal Housing Opportunity.
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