Fix and Flip Loans
Fast, asset-based fix and flip loans for real estate investors nationwide – funded on the purchase price, rehab budget, and after-repair value (ARV), not your income. Up to 95% LTC, rates from 7.875%, and closings in as few as 5 days, with rehab draws released as work is completed.
- Asset-based – no tax returns or income verification
- Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV
- Purchase and rehab funded in one loan, with staged draws
- SF, 2-150 unit, multifamily, condos, mixed-use & light commercial – all 50 states
- Interest-only during the flip · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Fix and Flip Loans – Key Facts (2026)
- What it is: A fast, asset-based loan that finances both the purchase and the rehab of an investment property – underwritten on the deal, not your personal income.
- Best for: Buy-rehab-sell flips, cosmetic and full gut rehabs, value-add repositions, and rehab-to-rent (BRRRR) exits nationwide.
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1-3 points.
- Terms: 12-18 month interest-only terms with extension options. Funding: as fast as 5 days, rehab funded in draws.
- Property types: SF, 2-150 unit, multifamily, mixed-use, condos, light industrial, and small commercial.
- Lender: CambridgeHomeLoan.com – direct fix and flip lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Fix and flip lending
What is a fix and flip loan?
A fix and flip loan is a short-term, asset-based real estate loan that finances both the purchase and the rehab of an investment property in a single facility. Because it qualifies on the deal – purchase price, scope of work, and after-repair value (ARV) – rather than your tax returns, it closes fast (as little as 5 days) and is built for investors who buy, renovate, and resell (or refinance) on a tight timeline. We lend up to 95% of total project cost and 100% of the rehab budget, with rehab funds released in draws as work is completed and inspected.
| Secured by | The property (asset-based) – no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1-3 points |
| Terms | 12-18 month interest-only terms, extensions available |
| Funding speed | As fast as 5 days · rehab released in draws |
| Coverage | Nationwide – all 50 states |
Eligible properties
Fix and flip property types
We finance business-purpose rehab projects across residential, multi-family, and light commercial real estate:
Loan programs
Fix and flip loan programs
| Cosmetic rehab | Light renovation flips; fast draws, shorter timelines |
| Full gut rehab | Structural and system rehabs; up to 95% LTC / 90% purchase / 100% rehab |
| Value-add multifamily | 2-150 unit reposition projects with staged draws |
| Rehab-to-rent (BRRRR) | Rehab now, then refinance to a 30-40 yr amortized DSCR loan |
| Portfolio flips | Multiple simultaneous projects for experienced investors |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
How we compare
CambridgeHomeLoan vs. top national fix and flip lenders
Investors shop fix and flip financing on leverage, speed, and cost. Here is how our program compares with the terms commonly advertised by the leading national fix and flip lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85-90% |
| Of purchase | Up to 90% | 80-85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65-70% |
| Rates from | 7.875% | ~9.5-12%+ |
| Draw turnaround | Fast, inspection-based | Varies, often slower |
| Funding speed | As fast as 5 days | 7-14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the fix and flip market as of July 2026, subject to change. For general comparison only.
Free tool
Fix and flip calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV – the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your flip
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes some holding, closing, and selling costs. We confirm value with an appraisal.
Apply in minutes
Apply for your fix and flip loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below – or call (800) 826-5077.
Requirements
Fix and flip loan requirements
| Down / skin in the deal | As little as 5-10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-time flippers welcome; experienced investors get higher leverage |
| Income docs | None – asset-based; no tax returns or W-2s |
| Valuation | As-is + ARV appraisal; detailed scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30-40 yr amortized / DSCR loan |
Nationwide
Fix and flip loans by state
We lend in all 50 states. A few of our most active fix and flip markets:
Answers
Fix and flip loan FAQ
What is a fix and flip loan?
A fix and flip loan is a short-term, asset-based real estate loan that finances the purchase price and rehab budget of an investment property – qualified on the deal and its after-repair value (ARV), not your personal income. It closes fast (as little as 5 days) and releases rehab funds in draws as work is completed.
How much can I borrow with a fix and flip loan?
Up to 95% of total project cost, 90% of the purchase price, and 100% of the rehab budget, capped at 75% of ARV. Rates start at 7.875% with 1-3 points, on 12-18 month interest-only terms with extension options.
How fast can you fund a fix and flip loan?
As fast as 5 days once title and the as-is / ARV valuation are in – versus 30-60 days for a bank. We issue a same-day term sheet and release rehab funds in draws as inspections confirm completed work.
Do I need income documentation or a high credit score?
No tax returns or income verification – fix and flip financing is asset-based. We are deal-first with 620+ FICO typical and exceptions considered, and we welcome first-time flippers as well as experienced investors.
What can I use a fix and flip loan for?
Cosmetic and full gut rehabs, value-add multifamily repositions, rehab-to-rent (BRRRR) projects, portfolio flips for experienced investors, and cash-out or auction purchases.
What property types and states do you lend in?
Single-family, 2-150 unit, multifamily, mixed-use, condos, townhomes, and light commercial – nationwide across all 50 states. You can sell at the end of your flip, or refinance in-house to a 30-40 year DSCR loan.
Keep exploring
Related investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Fix and flip loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, term length, and terms are illustrative, subject to change, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal. Comparison figures are generic market composites for illustration only and are not the terms of any specific lender. This page is informational and does not constitute financial, legal, tax, or investment advice.
Refinance and Home Mortgage Loan Expert Advice
Extensive Guide of Bridge Loans
Investor Guide · Bridge Loans Bridge Loans: How Investors and Homeowners Move Fast Without Waiting on a Sale Buy your next property before your current
Comprehensive Guide of DSCR Loans
Investor Guide · DSCR Loans DSCR Loans: How Investors Use Rental Cash Flow to Rule Their Local Market No W-2s. No tax returns. No cap
DSCR Loans Henderson Tennessee
DSCR Loans Henderson, Tennessee 2026 — Freed-Hardeman & Cash-Flow Financing, Up to 85% LTV | CambridgeHomeLoan.com CambridgeHomeLoan.com DSCR Loans Henderson — Up to 85% LTV·14
Bank Statement Loan vs Conventional Mortgage: A Guide for the Self-Employed
Bank Statement Loan vs Conventional Mortgage: A Guide for the Self-Employed 📞 Call now: (800) 826-5077 · Mon–Fri 10a–7p · Sat–Sun 10a–3p CambridgeHomeLoan.com · NMLS
DSCR Loan vs Hard Money Loan: When to Use Each in 2026
DSCR Loan vs Hard Money Loan: When to Use Each in 2026 📞 Call now: (800) 826-5077 · Mon–Fri 10a–7p · Sat–Sun 10a–3p CambridgeHomeLoan.com ·
DSCR Loan vs Conventional Mortgage: Which Is Right for Investors?
DSCR Loan vs Conventional Mortgage: Which Is Right for Investors? 📞 Call now: (800) 826-5077 · Mon–Fri 10a–7p · Sat–Sun 10a–3p CambridgeHomeLoan.com · NMLS #1826020
Florida Short-Term Rental Laws by City
Florida Short-Term Rental Laws by City: The 2026 Investor’s Map 📞 Call now: (800) 826-5077 · Mon–Fri 10a–7p · Sat–Sun 10a–3p CambridgeHomeLoan.com · NMLS #1826020
Asset Depletion Loans: How to Qualify With Assets and No Income
Asset Depletion Loans: How to Qualify With Assets and No Income 📞 Call now: (800) 826-5077 · Mon–Fri 10a–7p · Sat–Sun 10a–3p CambridgeHomeLoan.com · NMLS
Bank Statement Loans Explained: Qualify With Deposits, Not Tax Returns
Bank Statement Loans Explained: Qualify With Deposits, Not Tax Returns 📞 Call now: (800) 826-5077 · Mon–Fri 10a–7p · Sat–Sun 10a–3p CambridgeHomeLoan.com · NMLS #1826020