Are Lenders Still Stretching 85% LTC on Fix & Flips?

Are Lenders Still Stretching 85% LTC on Fix & Flips?

Mayo GilfurtPro Member
Real Estate Consultant · Connecticut Ct · Member since 2026 · 130 posts · 30 votes

For experienced operators, I’m still seeing:

• Fix & Flip – up to 85% LTC / 100% rehab in certain cases

• DSCR – mid to high 6s to low 8s depending on leverage + credit

• Ground-up – 75–80% LTC if numbers support it

Curious what others are seeing right now.

Are lenders tightening in your market or staying aggressive?

If anyone is structuring a live deal and wants a quick scenario review, feel free to share nuw numbers.

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  • Real Estate Broker · IL · Member since 2026 · 28 posts · 13 votes
    7mo

    Mayo, thanks for sharing this. Are you personally lending or brokering capital? I am always looking for capital partners. Let's connect. 

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