What Is a Fix & Flip Loan?

A Fix & Flip Loan is a short-term real estate loan designed for investors who buy distressed or undervalued properties, renovate them, and sell them for a profit within a few months. These loans are based on the property’s value and after-repair potential, not your income.

It's an asset-based loan used to:

  1. Purchase an investment property

  2. Finance renovations (optional rehab funds included)

  3. Sell the property for profit (usually within 6–12 months)

Process Overview

  • Find & lock up a deal (under contract)

  • Submit your budget (scope of work)

  • Get funding for purchase + rehab

  • Renovate & improve the property

  • Sell the property and pay off the loan

Ideal For

  • House flippers

  • BRRRR investors (Buy, Rehab, Rent, Refinance, Repeat)

  • Investors needing fast, flexible funding

  • Those who don’t qualify for traditional loans

Example

  • Purchase Price: $150,000

  • Rehab Budget: $50,000

  • After Repair Value (ARV): $275,000

  • Renovate & improve the property

  • Loan: Up to 90% of purchase + 100% of rehab = $185,000

Investor contributes $15,000 + closing costs. After selling for $275,000, they profit (minus loan payoff, fees, and holding costs).

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type of loans

FIX & FLIP LOAN

Rental property funding based on cash flow, not personal income.

DSCR LOAN

Rental property funding based on cash flow, not personal income.

NEW CONSTRUCTION LOAN

Break ground with confidence.

COMMERCIAL LOAN

For a larger deals and portfolio expansion

LAND LOAN

A land loan finances undeveloped land for future use.

CASH-OUT REFINANCE

Access home equity and get cash in hand

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