Acquisition and Rehab Financing in One Loan
Fix and flip loans are short term financing designed specifically for investors who acquire properties, renovate them, and sell at a profit. The loan covers the purchase price and the renovation budget in a single facility, with rehab funds released in draws as work is completed. We connect investors with fix and flip lenders who fund both residential and commercial rehab projects, from single family homes to small multifamily buildings and mixed use properties. From a first project to a fiftieth, the right lender makes the difference between a deal that pencils and one that doesn't.
Deal Structure at a Glance
Who Is This For?
- Residential real estate investors doing property rehab and resale
- Experienced flippers scaling their renovation portfolio
- First time investors entering the fix and flip market
- Commercial investors renovating small multifamily or mixed use properties
- Contractors and builders who acquire properties for renovation and sale
Common Use Cases
- Single family home purchase and renovation for resale
- Small multifamily (2 4 unit) acquisition and rehab
- Commercial property light renovation and quick sale
- Distressed property acquisition at discount for renovation
- Portfolio flipping with multiple simultaneous projects
Borrower Scenarios
Examples of how this financing can be used.
A residential investor purchasing a distressed 3 bedroom home well below market and renovating it on a defined rehab budget, selling the completed property at a healthy margin after a 4 month renovation. The fix and flip loan covered most of the purchase and the full rehab budget, with draws released after framing, mechanical, and finish inspections.
An experienced flipper running three simultaneous projects across Austin, using a single lender relationship to fund all three acquisitions with a blanket fix and flip facility that streamlined draws and reduced per project origination costs.
A contractor investor acquiring a vacant duplex near downtown, using a fix and flip loan to fund both the acquisition and a gut renovation, then refinancing into a DSCR rental loan after completing the rehab instead of selling.
A first time flipper purchasing a fire damaged property at a deep discount, securing a fix and flip loan that covered most of the purchase along with the rehab budget, and selling the restored home within months of closing.
Why Work With CapitalAx
We help borrowers organize fix and flip loans requests and compare lending sources that may fit the transaction.
Lenders Who Fund Fast and Draw Faster
Fix and flip profitability depends on speed. We work with lenders who generally close in 10 to 14 days and process renovation draws within 48 hours of inspection, keeping your project timeline on track and your contractors paid.
ARV Based Structuring That Maximizes Leverage
The best fix and flip loans are structured around after repair value, not current condition. We present your project's comp analysis, renovation scope, and ARV projections in the format lenders need to approve maximum leverage, reducing your out of pocket costs on each deal.
Portfolio and Repeat Borrower Programs
For investors doing multiple flips per year, we connect you with lenders offering portfolio lines, reduced origination on subsequent deals, and streamlined underwriting for repeat borrowers. The more deals you close, the better your terms get.
Tools & Calculators
Commercial Refinance Proceeds Calculator
Compare modeled loan limits and subtract payoff and costs to estimate cash out or an equity shortfall.
Property Financing Stress Test
Compare NOI, DSCR and supportable debt under changes in collected rent, expenses and borrowing rate.
DSCR Calculator
Calculate debt service coverage ratio to see if your property qualifies for DSCR financing.
Max Loan Calculator
Find out the maximum loan amount your property can support based on income and expenses.
Related Loan Programs
Related Property Types
Looking for a different financing structure? Browse all loan programs.