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Residential Fix to Flip Rehab Loans

No upfront fees, tax returns or income verification 

1 to 4 unit, non-owner-occupied homes, duplexes, triplexes, quads, condos & townhomes

Perfect for rehab real estate investors to sell or hold

Fast in-house draws  

Nationwide (except: Alaska, Nevada, Vermont, North & South Dakota)

Urban, Suburban and rural

$250,000 to $5 Million per property

620+ mid FICO credit score

Term: 13, 19 and 24 months

9.25%+ on drawn balance for experienced borrowers

Origination: 3 points

Finances rehab not loan costs

Terms vary with rehab experience for projects on title and bought & sold/ refinanced last 3 years 

(1) None: cosmetic flips; 80% purchase/mortgage + 100% rehab to 85% blended LTC & 70% ARV

(2) 1-4 flips: cosmetic & heavy rehab with GC; 85% purchase/mortgage + 100% rehab to 90% blended LTC & 70% ARV

(3) 5 to 11 with 3 flips: cosmetic & heavy rehab 90% purchase/ mortgage + 100% rehab to 90% blended LTC & 75% ARV

(4) 12 to 23 with 6 flips; cosmetic & heavy rehab 90% purchase / mortgage + 100% rehab to 90% blended LTC & 75% ARV; PLUS bridge loans without rehab

(5) 24+ with 12 flips: 90% purchase/mortgage + 100% rehab to 90% blended LTC & 75% ARV; PLUS bridge loan without rehab and level 3 construction loans

(6) May add experienced partner as co-borrower who owns 1%+ of LLC/Corporation

Non-recourse for experienced borrowers (add 25 to 50 bps)    

Subordinate debt permitted with lender approval

No prepayment or minimum interest

U.S. citizens, permanent residents, and foreign nationals 

No owner-occupied, mixed-use, raw land, commercial, unique, manufactured, mobile homes, condotels, timeshares, farms, 2+ acres or less than 700 square feet per unit

No bankruptcy, foreclosure, short-sales or deed in lieu last 3 years LO

To submit your online loan request, click the blue GET STARTED Link  for PRE APPROVAL within 48 business hours. No upfront fees, tax returns, income verification, credit cards, Social Security Numbers or credit checks are required for PRE-APPROVAL.

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