Fix and Flip Loans

[Ebonie Beaco]

If you’ve ever lost a deal because you couldn’t close fast enough or didn’t have enough capital for the renovation, you already know the challenge.

In this space, speed and structure matter more than anything.

That is exactly where Fix & Flip financing comes in.

I work with investors using programs designed specifically to acquire, renovate, and exit properties efficiently without the traditional lending roadblocks.

Built for Investors Focused on Execution

This is not your typical loan. These are asset-based loans designed for real estate investors.

• No W2s or income verification required
• No prior flipping experience required
• Entity borrowing required (LLC, Corporation, etc.)
• Non-owner occupied properties only

You are qualifying based on the strength of the deal, not your personal income.

The Numbers That Works

Here is how these deals are typically structured:

• Rates starting around  7.49%
• Loan amounts from $50,000 up to $5,000,000
• Up to 100% Loan-To-Cost (LTC)
• Up to 85% After-Repair Value (ARV)
• Up to 95% of rehab costs financed
• Based on credit and experience
• 
  This allows you to preserve your capital while still taking down strong opportunities.

Short-Term Structure Designed for Profit

• 12-month standard loan term
• 18-month options available depending on the deal
• Interest-only payments in many cases
• Built for acquisition, renovation, and resale

This is execution capital designed to move quickly, not long-term financing.

What You Can Finance

• Single family properties
• 2–4 unit properties
• Townhomes
• Warrantable condos

From light cosmetic updates to full renovations, these programs are flexible enough to match your strategy.

Investors Use This Strategy

Fix & flip loans are designed to help you:

• Close quickly and compete with cash buyers
• Finance both the purchase and the renovation
• Scale into multiple deals without tying up all your capital
• Move efficiently from one project to the next

This is about leverage, speed, and control.

Where Deals Are Won or Lost

Most investors do not lose deals because of the loan product. They lose them in the structure.

Key areas that matter:

• Accurate rehab budget
• Realistic after-repair value
• Clear exit strategy
• Proper timeline

Getting these right upfront makes all the difference.

Complimentary Deal Structuring

If you are:

• A real estate investor
• A wholesaler packaging deals
• A realtor working with investor clients

I will review your deal and walk you through:

• Whether it qualifies
• How to structure it correctly
• How to maximize leverage while protecting your profit

There is no cost for this. It is simply a value add to help you move forward with clarity.

Licensed In

Alabama, Arkansas, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Missouri, Virginia, and Louisiana

Let’s Structure Your Next Flip the Right Way

If you have a deal you are looking at or already under contract, reach out.

I will break it down and show you exactly how to position it for funding and profitability from day one.