Fix & Flip Loans.
Buy. Renovate. Sell.
Up to 90% of purchase + 100% of rehab, up to 75% of ARV. No prepayment penalty.
What Is a Fix & Flip Loan?
A fix & flip loan finances the purchase and the renovation of an investment property you plan to sell. At LenderX.ai it covers up to 90% of the purchase price and 100% of the rehab budget, capped at 75% of after-repair value (ARV).
Rehab funds are held in escrow and released as draws after inspection, so the work is funded as it gets done. Loans are interest-only and fixed for 12–24 months, with no prepayment penalty.
What Are the Fix & Flip Loan Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | Fix & Flip |
|---|---|
| Purchase financing | Up to 90% of purchase price |
| Rehab financing | Up to 100% of the rehab budget |
| Maximum leverage | Up to 75% of ARV |
| Loan amount | $75,000 – $6,000,000 |
| Term | 12–24 months, interest-only, fixed |
| Prepayment | No prepayment penalty |
| Credit | 620+ program options |
| Property types | 1–4 unit SFR, condos & townhomes |
| Loan purposes | Purchase, delayed purchase, rate/term refinance, cash-out refinance |
| Time to close | 7–14 days for clean deals |
| Pricing | Quoted per deal |
Maximum figures shown are not available in combination on every transaction.
What Can a Fix & Flip Loan Fund?
Any Rehab Scope
Cosmetic, general, and heavy rehab, including expansions.
Rehab Draws
Rehab funds are escrowed and released as draws after inspection.
Interest Payments
Interest payment escrows can be financed into the loan.
Every Experience Level
First-timers to full-timers. Leverage grows with your track record.
Can You Take Over a Deal Another Lender Dropped?
Yes. A borrower's previous lender went silent two weeks into the process, with the appraisal already ordered and earnest money on the line. We picked up the deal, re-underwrote it in 48 hours, and closed before the contract expired.
Real deal. Real outcome.
Fix & Flip Loan Questions We Actually Get Asked
Up to 90% of the purchase price and 100% of the rehab budget, capped at 75% of ARV. Maximum leverage goes to borrowers with a stronger track record, so your number depends on experience and the deal.
Yes, up to 100% of the rehab budget, within the 75% of ARV cap. Rehab funds are escrowed and released as draws after inspection.
Rehab funds are held in escrow. As work is completed, you request a draw and it's released after an inspection confirms the progress.
Yes. Interest payment escrows can be financed into the loan.
No. We lend to first-time and experienced investors. Leverage grows with track record, so a newer investor may see lower leverage than a seasoned one.
No. Fix & flip loans have no prepayment penalty, so you can pay off as soon as you sell.
7–14 days for clean deals. We don't quote timelines we can't hit, and if a deal has hair on it we'll tell you upfront.
We have program options starting at 620+. Experience and deal quality matter alongside the score, and all loans are subject to underwriting approval.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.