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Fix & Flip Financing

Short-term capital for real estate investors who buy, renovate, and resell properties. Fast Finance helps you line up funding that keeps your projects moving on schedule.

What Is Fix & Flip Financing?

Fix & flip financing is a short-term loan designed specifically for purchasing and renovating investment properties. Instead of using your own cash for every deal, you leverage financing to acquire the property, complete the rehab, and then pay the loan off when you sell or refinance.

Typical Deal Structure

  • Funding for both purchase price and renovation budget.
  • Short terms, commonly 6–18 months.
  • Interest-only payments during the project.
  • Loan sized to a percentage of purchase and/or after-repair value (ARV).

Ideal Properties for Fix & Flip Loans

Single-Family Homes

Cosmetic or full-gut renovations to bring dated houses up to modern standards for resale.

Small Multifamily

2–4 unit or small apartment buildings where upgrades can significantly increase rent and value.

Condos & Townhomes

Attached units in markets with solid buyer demand and clear comparable sales.

Light Value-Add Commercial

In some cases, small mixed-use or commercial properties with clear exit strategies.

Example Scenarios

Scenario 1 – Cosmetic Single-Family Flip

An investor finds a 3-bedroom home needing paint, flooring, and kitchen updates. A fix & flip loan covers most of the purchase plus the rehab budget. After a 4-month project and successful sale, the investor repays the loan and keeps the profit.

Scenario 2 – Small Multifamily Value-Add

A 4-unit building has below-market rents and deferred maintenance. Financing includes purchase and renovation funds. Once units are upgraded and rented at higher rates, the investor refinances into a long-term loan or sells the building at its new value.

Scenario 3 – Repeat Flipper Scaling Up

An experienced flipper wants to run multiple projects at once. Using fix & flip financing allows them to stretch their capital across several properties instead of tying it all up in one deal.

What Lenders Focus On

Fix & flip lenders are highly deal- and experience-driven. They typically review:

  • After-repair value (ARV) based on realistic comparable sales.
  • Purchase price and detailed renovation budget.
  • Borrower experience with similar projects and property types.
  • Timeline for rehab and sale or refinance.
  • Exit strategy and expected margins.

What You May Need to Provide

  • Purchase contract and any inspection reports.
  • Scope of work and line-item budget for renovations.
  • Before photos and a list of planned improvements.
  • Comparable sales (comps) supporting your ARV estimate.
  • Brief history of prior projects and results (for experienced investors).

Fix & Flip vs. Bridge vs. Long-Term CRE

Fix & flip loans are laser-focused on **short-term renovation and resale**. Bridge loans often fund larger or more complex commercial projects with different exit strategies. Long-term commercial real estate loans come into play once the property is stabilized and held for cash flow rather than a quick flip.

How Fast Finance Helps

Fast Finance helps you package your project clearly—purchase, rehab, ARV, and exit—so fix & flip lenders can respond quickly. We connect you with funding partners that match your:

  • Experience level (first-time to high-volume flipper).
  • Average deal size and target ARV.
  • Market and property type (single-family, small multifamily, etc.).

Have a property under contract or a deal you’re analyzing? Check my fix & flip options