Fix & Flip Loans

Fix & Flip loans⁷ allow investors to acquire and/or renovate multiple properties up to an approved exposure limit (based on Individual & Business approval).

Interest on drawn balance option and 18-month loan term at no additional cost
NO prior experience required¹
Optional NO Fee Alternative Valuation available for Standard Fix & Flip²
Property loan-level liquidity verification
Funding up to:

100% rehab costs
95% LTC max³
75% ARV LTV

	Fix & Flip Exposure Limit Loan
Loan Purpose	Rehab loan for non-owner occupied residential investment property
Interest Rate ¹	As low as 6.75%, varies per individual property loan
Loan Amount	$50K - $3MM ¹²
Term	12 months standard, 18 month option available (subject to loan level pricing adjustment)
Borrower Type	Individual or Entity
Minimum Experience	NO prior experience required ¹¹
Maximum Loan-to-Value (LTV) ⁴	Standard Rehab up to 75% After Repair Value (ARV) LTV / Extensive Rehab up to 70% ARV LTV ⁸
Maximum Loan-to-Cost (LTC) Cost is purchase price amount ⁵	Standard Rehab max 95% ¹⁶ / Extensive Rehab max 85% ⁸
When do we use LTV vs LTC?	Generally, we use the lesser of LTV or LTC calculation
Rehab/Construction Financing	Funding up to 100% rehab budget up to % Approved LTV of Total Costs
PROPERTY TYPES	Non-Owner Occupied: Attached or detached SFR 2-4 unit properties Multi-family 5-20 unit properties Mixed-use Condos

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