Fix & Flip Loans
Fast hard money financing for buy-renovate-sell investment strategies. Close in as little as 7 days with no income verification required.
Loan Parameters
- Loan amounts: $50,000 – $2,000,000
- Up to 90% of purchase price (LTC)
- Up to 100% of rehab costs financed
- Loans based on ARV (After Repair Value)
- Terms: 12 – 24 months
- Interest rates: 10% – 14% depending on deal
- Close in as little as 7 business days
- No income verification or tax returns required
- No limit on number of financed properties
- Credit scores as low as 620 considered
- First-time investors considered case by case
How Fix & Flip Loans Work
A fix and flip loan (also called a rehab loan or hard money loan) is a short-term bridge loan used to purchase and renovate a distressed property with the intention of selling at a profit. Unlike traditional mortgages, fix and flip loans are underwritten primarily based on the property's after-repair value (ARV) — not your personal income or credit score.
Investor1st Funding connects real estate investors to private capital for fix and flip projects. We're brokers with access to a network of hard money lenders who can move fast, close in days, and fund both the purchase and renovation — all in one loan.
Who Qualifies
- Real estate investors — experienced or first-time
- LLCs, corporations, and self-employed borrowers
- Borrowers who cannot document income traditionally
- Investors with multiple existing financed properties
- Borrowers with credit scores as low as 620