Fix & Flip / BRRRR Funding
Short-term purchase + rehab financing built around your timeline and exit plan.
- Use: acquisition + renovation / value-add
- Exit: sell or refi into DSCR once stabilized
- Speed: As fast as 2 days, typical 14 days
- Process: draws aligned to scope and budget
Working on a larger multifamily, commercial, or heavier repositioning project? See our Commercial Bridge Loans & Permanent Financing options.
100% Financing Options
On the right deal we can offer 100% financing even with no credit or experience.
What are Fix & Flip and BRRRR loans?
Fast, flexible financing for 1–4 unit projects—buy, rehab, and either sell or refinance once stabilized. The terms are designed for fast execution and a quick exit.
Scope = Your Resume
Your rehab scope is your “resume” to the lender—it shows you understand the project, the risks, and the plan. A clear scope and budget reassures lenders, reduces surprises, and speeds up terms.
What is BRRRR?
BRRRR = Buy, Rehab, Rent, Refinance, Repeat. The goal is to stabilize the property, then take out the bridge with DSCR financing. Learn about our DSCR and permanent financing here.
Factor the cost of money into your offer
Before you finalize an offer, account for interest, points, and monthly carry costs. If those are not in your numbers upfront, the deal can look profitable on paper but miss your target in real execution.
- Gap funding can cover down payment, closing costs, or even carry like interest. There are still limits — the deal must make sense and show real profit. Learn about GAP loans
- Credit Stacking can help cover gaps when used responsibly alongside the primary loan. Learn about Credit Stacking
How Lenders Underwrite Fix & Flip Loans
Why It's a Bridge Loan — and How You Exit
Fix & Flip loans are short-term bridge loans with a clear exit: sell after rehab or refinance once stabilized. We size leverage, reserves, and draws around that exit, with creative payoff strategies available when appropriate.
How Lenders Size the Loan
Lenders size proceeds using LTV, LTC, and LTARV. Getting the ARV right is critical because it drives LTARV and whether the deal works; a formal appraisal is not always required, but the ARV must be supportable. Heavy rehab can also reduce leverage or increase reserves. Read An Appraisal Worth a Million Dollars.
Fix & Flip Loan Requirements
Purchase contract, rehab scope + budget, ARV comps, photos, and borrower profile, plus entity docs. Proof of funds or reserves, insurance, and contractor bids are often requested where applicable. We'll order the appraisal when needed.
Credit, Experience & Partners
Credit and experience may affect rates, terms, and the types of projects lenders will support. When a borrower is short on credit or track record, we can explore partner structures that strengthen the file.
Upfront Fees & Processing Costs
Expect potential upfront costs for appraisals, background checks, and occasional application fees. Large portfolios may require upfront processing fees.
How 100% Financing Can Work
A common way to sanity-check 100% financing is this: purchase price plus rehab budget should be below about 70% of ARV. When that spread is strong, you might qualify for 100% financing.
What Clients Say
“They took the time to understand the scope and gave us clean options instead of a one-size-fits-all quote.”
Fix & Flip investor • First deal with YFS
“Fast, direct, and no surprises—exactly what we needed to keep the closing on track.”
Repeat client • Tight timeline
Want to know if you have a deal? Try our back-of-the-napkin calculator.
Knowing how the loan works and knowing your costs lets you make fast, effective offers.
Estimation only — many factors can affect the loan and the final profit or loss.