Flip financing for an affordable, fast-moving Midwest market: up to 95% of purchase and 100% of rehab (or 90% of purchase and 100% of construction on fix and flip, fix-to-rent or value-add projects), to 75% of ARV, across Milwaukee, Madison and beyond.
A fix and flip loan is short-term project financing for a buy-renovate-sell deal. Rather than your income, we underwrite the business plan – what you pay, what the rehab costs, and the after-repair value (ARV). Wisconsin is an affordable, fast-moving Midwest market – Milwaukee homes go pending in about 26 days. Milwaukee County’s median is near $291,000, and Madison, Green Bay and the Fox Valley add steady demand at value prices.
The model keeps your own capital small and your Wisconsin flip velocity high, so you can run several projects a season and exit cleanly with a sale or a refinance into a rental.
After-repair value – your finished, sold price. Every loan dollar is sized against it.
The ceiling: total loan generally stays within 75% of ARV, leaving room for profit.
Your renovation budget – funded 100% and reimbursed in draws as work is completed.
Holding costs – interest, insurance, taxes, utilities – every month until you sell.
| Purchase financing | Up to 95% LTC (loan to cost), or 90% of the purchase price and 100% of the rehab or construction budget on fix & flip, fix-to-rent or value-add projects |
|---|---|
| Rehab financing | 100% of the rehab funds, released in draws |
| Total loan vs. ARV | Generally held within 75% of the after-repair value |
| Refinance / cash-out | Refinance up to 90% LTV; cash-out up to 75% |
| Rate & payments | From 9.99%, interest-only during the flip |
| Term | 12-36 months; extensions available; no prepayment penalty |
| Credit / docs | 620+; no income or W-2 documentation on investment properties |
| Exit | Sell the finished home, or refinance into a 30-year DSCR rental |
Target under-market Wisconsin homes where comps support your ARV and end-user demand is real.
Close in as fast as 5 days with 95% of purchase and 100% of rehab committed – or 90% of purchase and 100% of construction on fix and flip, fix-to-rent or value-add projects.
Draw your rehab budget in stages as work passes inspection, so you front far less and keep the crew moving.
List and sell into Wisconsin demand, or refinance into a 30-year DSCR loan and keep it as a rental.
A representative Wisconsin project funded with 95% of purchase and 100% of rehab, underwritten within 75% of ARV:
| Purchase price | $180,000 |
|---|---|
| Loan at 95% of purchase | $226,000 · your money in: $9,000 |
| Rehab budget (100% funded, by draw) | $55,000 |
| After-repair value (ARV) | $320,000 · total loan is 71% of ARV |
| Interest (10.5% IO, ~6-month flip) | − $11,865 |
| Points & closing (est.) | − $8,520 |
| Sale costs (~6.5% of ARV) | − $20,800 |
| Estimated net profit | ≈ $47,815 |
| Cash in the deal | ≈ $17,520 |
Illustrative for 2026, not a guarantee or an offer. Figures vary by property, market and experience. High leverage magnifies gains and losses. Business-purpose only. Consult your CPA. Equal Housing Lender.
Assumes 95% of purchase + 100% rehab, 2 points, ~$4,000 closing/reserves and 6.5% sale costs. Estimate only.
| Market | Why flippers target it |
|---|---|
| Milwaukee | ~$291K with fast 26-day sales. |
| Madison | Capital and UW-Madison anchor demand. |
| Green Bay | Affordable, stable manufacturing base. |
| Kenosha / Racine | Southeast Wisconsin’s Microsoft corridor. |
| Appleton | Diversified Fox Valley manufacturing. |
| City | Why it ranks for 2026-2027 returns |
|---|---|
| Milwaukee | Fast-selling value-add at affordable entry. |
| Green Bay | Value with steady employment. |
| Racine | Microsoft-corridor demand. |
| Eau Claire | Western-Wisconsin value. |
| Madison | University-anchored appreciation. |
Wisconsin’s 2027-2028 driver is Microsoft’s multi-billion-dollar data-center campus in Mount Pleasant (Racine County), bringing construction and operations jobs to southeast Wisconsin alongside a base of manufacturing, healthcare and universities.
Buying near these job engines now positions your exit into the demand they create – Fund a Wisconsin flip near the growth →
95% of purchase + 100% rehab; 12-36 month interest-only.
Larger renovation budgets funded in structured draws for down-to-studs projects.
90% of purchase plus 100% of construction for Wisconsin infill and spec builds.
Flip, then refinance into a 30-year DSCR loan and keep the cash-flowing rental.
Refinance up to 90% LTV or cash out up to 75% to fund the next deal.
Scale several Wisconsin flips at once with repeatable, deal-by-deal funding.
Up to 95% of the purchase price plus 100% of the renovation – or 90% of the purchase and 100% of the construction on fix and flip, fix-to-rent or value-add projects – with the total loan generally within 75% of the after-repair value.
In draws. You fund the work, then we reimburse each stage as it is completed and inspected, keeping your out-of-pocket low.
12-36 month interest-only, with extensions available and no prepayment penalty. Refinances go up to 90% LTV and cash-out to 75%.
From comparable sales of similar recently renovated homes near your project, supported by an appraisal.
620+ credit and no income or W-2 documentation on investment properties – we underwrite the deal, so first-time and foreign-national flippers are welcome.
As fast as 5 days on a clean file, because we qualify the project rather than your income.
Refinance the finished home into a 30-year DSCR loan with us – the BRRRR exit is built in from day one.
Send us the purchase price, rehab budget and ARV and get real terms fast – no income docs, no hard credit pull to quote. Business-purpose investor financing from $75,000 to $20 million+, first-time and foreign-national flippers welcome.
Wisconsin’s affordability plus the Microsoft campus make 2027-2028 a dependable window. Flip fast-selling value-add in Milwaukee and the growth corridors and exit into steady demand.
Market and profit figures are third-party estimates for 2026-2028, vary by source and submarket, and are not guarantees.
Wisconsin is an affordable, fast-moving Midwest market – Milwaukee homes go pending in about 26 days near a $291,000 county median – with Madison and the Fox Valley adding steady demand.
Microsoft’s multi-billion-dollar data-center campus in Mount Pleasant is bringing construction and operations jobs to southeast Wisconsin, complementing a base of manufacturing, healthcare and universities that supports value-add demand into 2027 and 2028.
Wisconsin fix & flip rates, advances, ARVs and terms shown are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.
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