Fix and Flip Loans for Southern California Investors
Fast, short-term financing for the purchase and the renovation, so you can win the deal and finish the project.
- 30+ years of experience
- Purchase plus rehab funds
- Fast closings
What Is a Fix and Flip Loan?
A fix and flip loan is short-term financing for investors who buy a property, renovate it, and sell it. It usually covers part of the purchase and most or all of the renovation.
The loan is based mainly on the property’s value after repairs, and you pay it off when you sell or refinance.
Why Choose a Fix and Flip Loan?
Built for speed, so you can compete with cash buyers.
Close Quickly
Move fast on distressed and off-market deals.
Renovation Funds
Draw rehab money as the work is completed.
Interest-Only Payments
Lower payments while the project is underway.
Based on ARV
Financing reflects what the home will be worth after repairs.
LLC Friendly
Close in your company name.
Flip or Keep
Sell it, or refinance into a DSCR loan and rent it out.
Do You Qualify?
Lenders care most about the deal. They’ll look at:
- The purchase price, repair budget, and after-repair value
- Cash for the down payment and closing costs
- Credit score, often 620 or higher
- Flipping experience (helpful, not always required)
- An investment property, not a home you’ll live in
Get Your Deal Reviewed
Send us the address, price, and rehab budget and we’ll tell you how much we can fund.
Prefer email? Send us a messageFix and Flip Loan Questions
How much can I borrow?
Many lenders fund a large share of the purchase and up to 100% of renovation costs, limited to a percentage of the after-repair value.
How are renovation funds paid out?
In draws. As work is completed and inspected, the lender releases the next portion of the rehab budget.
Do I need flipping experience?
Not always. Experienced investors get better terms, but first-time flippers with a solid plan can qualify.
What happens if I decide to keep the property?
You can refinance into a long-term DSCR loan and hold it as a rental.
Can I use this for a home I’ll live in?
No. These loans are for investment properties only.
Helpful Guides
What Is a Non-QM Loan?Read →
Run the Numbers First
Estimate payments and weigh your financing costs before you make an offer.
Fund Your Flip in 3 Simple Steps
Tell Us About the Deal
Share the property, your plans, and your timeline.
We Structure the Loan
We match you with the right lender and terms.
Close and Get to Work
Fund quickly so you can move on the opportunity.