Fix & Flip Loans: Fuel for Real Investors, Not Instagram “Gurus”
If you’re in the business of buying ugly houses, making them shine, and flipping them for profit—you don’t need a bank. You need speed, flexibility, and a lender who actually gets what you do. That’s where fix & flip loans come in.
These short-term loans are designed for real estate investors looking to buy, renovate, and sell properties fast, without waiting on a guy pulling up in a Lambo to approve your file over lunch.
Let’s get into the thick of it
A fix & flip loan is a short-term, asset-based loan made specifically for investors who buy properties with the intent to renovate and resell for a profit—typically within 6 to 18 months. These aren’t your grandma’s 30-year mortgages. They’re structured for speed and execution, not red tape.
Most of these loans come from private lenders or hard money lenders—aka people who move fast and speak your language (not the guy asking for your 2019 tax return and a letter from your childhood dentist).
What Does It Cover?
A solid fix & flip loan will usually cover the purchase price, rehab budget, and the carrying costs including interest, insurance, and taxes while you hold the property.
Loan Structure
Term: 6–12 months (extensions available up to 24 months)
LTV: 70–80% of purchase, or 65–75% of ARV
Rates: Typically 8–12% (higher risk = higher return for lenders)
Points: 1–4% origination fees
Repayment: Often interest-only with a balloon payment at the end (sale or refi)
The Smart People Who Use Fix & Flip Loans
Seasoned real estate investors, borrowers with limited liquidity or non-traditional credit, entrepreneurs who value common-sense underwriting over rigid bank checklists, and anyone who needs money fast, not after four rounds of underwriting and a Zoom call with someone who just passed their licensing exam.
Why Smart Investors Love It
These loans show speed; Closing in days, not months. They are asset based, meaning we care more about the deal than your day job. Fix & Flip has a flexible structure that includes rehab draws, interest-only payments, and custom terms. Lastly there will be no silly requirements and no questions about your favorite color.
Why LenderX.Ai Is The Way To Go
We’re not here to pitch you dreams about becoming a millionaire in 30 days. We’re here to fund real deals for real investors who don’t have time for fluff, delays, or underwriting done by people who’ve never set foot in a rehab.
Need funding for your next flip?
Let’s talk. You bring the deal—we’ll bring the capital.
And no, we don’t care what watch you’re wearing.
Click here to contact us!
