Fix and Flip Loans

Fix and Flip Loan

A fix and flip hard money loan is perfect for real estate investors who want to buy discounted properties in need of repair to fix up and sell for a profit. These fix and flip loans are hard money loans that are secured by the After Repair Value of the property. 

House flippers use hard money lenders since they need access to reliable funds to quickly purchase, repair and flip property. Our fix and flip hard money loans can be funded within 1-2 days after approval!

Fix and Flip Loan

What is a Fix and Flip Loan?

Fix and flip loans are a type of short-term loan specifically designed for house flippers. As the name suggests, fix and flip loans are typically used to finance the purchase and renovation of a fixer-upper property before flipping it for a profit. Because these are short-term loans, they come with higher interest rates than traditional mortgages. However, funding with FlipCo offers a number of advantages, including:

Quick Financing

FlipCo can fund these loans within 72 hours, which means you can take advantage of time-sensitive opportunities quickly.

Flexible Terms

Most loans have a term of 3 to 6 months, giving you plenty of time to complete your project.

High Loan Amounts

Fix and flip loans typically loan up to to $1 million, which should be more than enough to cover the purchase price and renovations for most properties.

What Clients Say About Us!


At FlipCo, we understand that time is of the essence for real estate transactions. We can fund projects within 48 hours of receiving clear title and all underwriting documents.

The most important part of our deal structure is ensuring our client are set up for success. We go the extra mile to ensure that title issues are not overlooked, legal documents are prepared correctly for our clients and that our clients have all the tools they need for their projects. Our client’s success comes before anything else.

The monthly interest payment calculation is explained in detail via the agreed upon Term Sheet that is signed prior to project closing. We charge interest only payments and only ever on funds used.

Yes, every property we lend on is required to have title, builder’s risk, hazard, and general liability insurance.

  • Single Family Residential, up to 4 doors (No Owner-Occupied)
  • First lien position
  • Previously flooded properties require additional diligence from our underwriting team
  • Additional square footage will require a survey prior to funding

We typically approve our clients within 48 hours of receiving all required documents.

We do not require third party appraisals. All underwriting and price opinions are performed in house reducing project costs as well as providing enhanced efficiency to the underwriting process timeline.

  • Last 3 months of bank statements
  • Financial statement
  • Completed borrower application

We offer a 3 and 6 month term.

FlipCo typically does not require a credit check. We pride ourselves on lending on the asset and strategy rather than the borrower’s credit score.

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