Still seeing 90/100 fix & flip funding in 2025?

Rehabbing & House Flipping
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Still seeing 90/100 fix & flip funding in 2025?

Kyle O'Brien
Lender · Member since 2025 · 17 posts · 16 votes

Been talking to a few active flippers lately, and the question keeps coming up: are lenders still doing 90% purchase + 100% rehab? Some say that kind of leverage has dried up, others say it depends on the deal. Curious what kind of terms people are getting on flips lately — and who’s actually delivering when it comes to fast closings + construction draws.

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Scott WolfPro Member
Lender · Boca Raton, FL · Member since 2014 · 1k+ posts · 956 votes
1y
Quote from @Kyle O'Brien:

Been talking to a few active flippers lately, and the question keeps coming up: are lenders still doing 90% purchase + 100% rehab? Some say that kind of leverage has dried up, others say it depends on the deal. Curious what kind of terms people are getting on flips lately — and who’s actually delivering when it comes to fast closings + construction draws.

We're still doing that if the deal and borrower qualify.
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  • Micah White
    Real Estate Coach · Chicago, IL · Member since 2020 · 171 posts · 64 votes
    1y

    Hi Kyle! 

    I've been able to achieve 90/100 funding. Please don't hesitate to reach out if you'd like to be connected with my lender!

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  • Scott WolfPro Member
    Lender · Boca Raton, FL · Member since 2014 · 1k+ posts · 956 votes
    1y
    Quote from @Kyle O'Brien:

    Been talking to a few active flippers lately, and the question keeps coming up: are lenders still doing 90% purchase + 100% rehab? Some say that kind of leverage has dried up, others say it depends on the deal. Curious what kind of terms people are getting on flips lately — and who’s actually delivering when it comes to fast closings + construction draws.

    We're still doing that if the deal and borrower qualify.
    1Reply
  • Peter MckernanBusiness Member
    Residential Real Estate Agent · Irvine, CA · Member since 2013 · 2k+ posts · 1k+ votes
    1y
    Quote from @Kyle O'Brien:

    Been talking to a few active flippers lately, and the question keeps coming up: are lenders still doing 90% purchase + 100% rehab? Some say that kind of leverage has dried up, others say it depends on the deal. Curious what kind of terms people are getting on flips lately — and who’s actually delivering when it comes to fast closings + construction draws.


     There are still lenders out there doing that for fix and flip... Seasoned people that have been in the business for while and done a lot of deals are the ones getting these terms. 

    The McKernan Group4.954 Reviews
    WebsiteView Page
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  • Nick BelskyBusiness Member
    Residential and Commercial Broker · Member since 2021 · 1k+ posts · 704 votes
    1y

    @Kyle O'Brien

    Yes, we work with several lenders who offer 90/100.  They've never stopped.  We can even do rural properties at 90/100.  100% financing in Texas... if the shoe fits, of course.

    Cheers!

    [email protected]
    Belsky Mortgage, LLC526 Reviews
    WebsiteView Page
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  • Katie Smith
    Member since 2023 · 347 posts · 190 votes
    1y

    Hey Kyle!

    I’m still seeing a lot of 90/100 deals getting done, as long as the numbers make sense. Some lenders are starting to pull back in areas with high foreclosure rates (Florida, for example) but if your client has decent credit and it’s a solid deal, that kind of leverage is definitely still out there.

    If you’re having trouble placing it, I’d be more than happy to help out. I work with brokers all the time and have access to a range of programs that might be a fit.

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  • Zachary DealPro Member
    Lender · Member since 2023 · 464 posts · 425 votes
    1y
    As others have said, it's still possible if the borrower/property qualifies. 90/90 is more common though for borrowers with a few completed projects and often has lower rates, etc.
    [email protected]
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  • Duncan Kaja
    Lender · Pleasant View, TN · Member since 2023 · 25 posts · 9 votes
    1y

    Needs to be right deal and borrower, but I have it available

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  • Jake YuskaitisBusiness Member
    Lender · New Jersey, USA · Member since 2022 · 254 posts · 67 votes
    1y

    yes. there are even 100% funding options for fix and flips still out there.

    [email protected]551-287-6884
    Frontier Funding LLC533 Reviews
    WebsiteView Page
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  • Ryan Stuckey
    Lender · Member since 2022 · 217 posts · 148 votes
    1y

    Yep, we're still doing 100/100 routinely (with loan size up to 75% ARV) on our normal program across 10 states.

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  • Brian DanielsonPro Member
    Keizer, OR · Member since 2025 · 7 posts · 4 votes
    1y

    I just achieved a 90/100 with 12% interest for six months. 

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  • Matthew CrivelliBusiness Member
    Lender · MA · Member since 2021 · 1k+ posts · 1k+ votes
    1y

    90%/100% financing with no prior experience is available for high fico borrowers. 

    [email protected]413-348-8346
    Freedom Capital Funding, LLC523 Reviews
    WebsiteView Page
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  • Deborah Wodell
    Lender · NC · Member since 2024 · 344 posts · 115 votes
    1y

    Yes! We still get those! With a good fico and enough exp, you can get some good terms. Just recently quoted a 90% LTC with 9% interest. So def possible. 

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  • Chris SeveneyBusiness Member
    Moderator
    Investor · VA · Member since 2015 · 21k+ posts · 19k+ votes
    1y

    Yes id the experience is there this financing still exists 

    7e investments53 Reviews
    WebsiteView Page
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  • Cam SchwartzBusiness Member
    Lender · Chicago, IL · Member since 2024 · 102 posts · 48 votes
    1y
    Quote from @Kyle O'Brien:

    Been talking to a few active flippers lately, and the question keeps coming up: are lenders still doing 90% purchase + 100% rehab? Some say that kind of leverage has dried up, others say it depends on the deal. Curious what kind of terms people are getting on flips lately — and who’s actually delivering when it comes to fast closings + construction draws.

    Hey @Kyle O'Brien, as others have noted, lenders (including us) are definitely still offering 90/100.

    These terms are usually offered to (i) creditworthy borrowers with experience and (ii) deals with significant spread.

    For us we'll fund 90/100 for folks with 5+ flips or 740+ FICO (for deals with 30%+ spread over cost).

    [email protected]847-702-6940
    Vert510 Reviews
    WebsiteView Page
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