Fix & Flip / Bridge Loans
Close in 10 Days. Move at Deal Speed.
Short-term bridge loans for acquisitions and renovations. Up to 90% loan-to-cost for experienced investors. No personal income documentation required.
How Fix & Flip Loans Work
A fix-and-flip loan (also called a bridge loan or RTL — Residential Transition Loan) is short-term financing designed for investors who buy, renovate, and sell or refinance investment properties. These are asset-based loans — underwritten on the property value and your renovation plan, not your personal income.
Program Highlights
- Term sheets in 48 hours
- Close in 10–14 days
- Up to 90% loan-to-cost (experienced investors)
- 6–24 month interest-only terms
- Renovation costs included via draw schedule
- No personal income documentation required
- Rates from 9.25%
- 39 states
Experience-Based Pricing Tiers
| Tier | Experience | Max LTC | Down Payment |
|---|---|---|---|
| Tier 1 | 0–1 projects | 65–80% | 20–35% |
| Tier 2 | 2–3 projects | 80–85% | 15–20% |
| Tier 3 | 4+ projects | 85–90% | As low as 10% |
The BRRRR Exit Strategy
Many investors use a bridge loan to buy and rehab a property, then refinance into a DSCR loan once the property is rented — the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). This lets you recycle capital and scale your portfolio without additional personal income documentation.
We specialize in this exact transition. One client referral, two funded loans, and a growing rental portfolio.
Ready to Fund Your Next Flip?
Submit your deal details and get a term sheet within 48 hours.