Cash-to-Close Solutions for Fix & Flip Investors
Most fix & flip loans cover 85–90% of the purchase price. That still leaves 10–15% for you to fund. Here's how to bridge that gap and flip with little to no money out of pocket.
The Cash-to-Close Problem
On a $150,000 acquisition, a 90% LTC loan funds $135,000. You still need $15,000 for the down payment plus 3–5% in closing costs — totaling $19,500–$22,500 in cash at closing.
For newer investors or those scaling rapidly, that cash requirement is often the biggest barrier to doing more deals.
Solution: Business Bridge Capital
Business capital products — lines of credit, working capital loans, and revenue-based financing — are designed to stack on top of your primary hard money loan, filling the gap between what your lender funds and what you need to close.
We offer business funding solutions that can work alongside your real estate loan so you can in many cases close on a deal with minimal cash out of pocket while maintaining deal economics that still produce strong returns.
Explore Business Funding →Other Cash-to-Close Strategies
- Equity partner: Bring in a capital partner who funds the down payment in exchange for a share of profits
- HELOC: Draw on a home equity line of credit against existing property equity
- Seller second: Negotiate a seller-carried second note (confirm with your primary lender first)
- Private money partner: Structure a private note with a family member, friend, or network contact
Important Note on Stacking
Not all hard money lenders allow secondary financing. Before stacking bridge capital, confirm with your primary lender that subordinate debt is permitted. Investor1st Funding works with lenders who accommodate this structure where the deal economics support it.