Fix & Flip Loans for Real Estate Investors

Ready to turn potential into profit? A Fix & Flip loans offer real estate investors the capital they need to buy, renovate, and resell properties—all without traditional income documentation or long approval times. Whether you’re a first-time flipper or a seasoned investor looking to scale, the JD.Mortgage team can help you move fast and stay funded.

What are Fix & Flip Loans?

Fix & Flip loans are short-term financing designed specifically for purchasing and renovating distressed or undervalued real estate. These loans allow investors to act quickly in competitive markets, cover renovation costs, and repay the loan once the property is sold or refinanced. Unlike conventional loans, Fix & Flip financing focuses on the property’s after-repair value (ARV) rather than your personal income.

Want to learn about other real estate investor options? Explore DSCR loans here.

Who Should Use a Fix & Flip Loan?

Fix & Flip loans are ideal for:

Real estate investors buying distressed properties
Buyers who intend to renovate and sell quickly
Contractors seeking to scale operations
Self-employed investors who can’t document income traditionally

If you’ve struggled to get financing because of tax returns or a high debt-to-income ratio, a Fix & Flip loan may be the solution. See more non-QM lending options here.

Fix & Flip Loan Features

These loans are built for speed and flexibility. Common features include:

Funding up to 90% of the purchase price and up to 100% of rehab costs
Loan amounts from $50,000 to $3,000,000+
12 to 18 month terms, with extension options
Interest-only payments during the rehab period
Minimal documentation requirements

Need longer-term options or buy-and-hold strategies? Check out bank statement loans for investors.

Fix & Flip Loan Process

Getting started is easier than you think. Here’s how the process works with the JD.Mortgage team:

Get Prequalified: We’ll evaluate your experience, project, and funding goals.
Property Review: Submit details about the property, including your rehab budget and timeline.
Loan Approval: We underwrite based on the property’s ARV—not your W-2s or tax returns.
Funding & Rehab: You close fast, start work immediately, and draw funds for renovations as needed.
Exit: Once the home sells, you repay the loan and move on to your next deal.

Looking to fund your next deal quickly? Connect with our team here.

How Fix & Flip Loans Differ from Traditional Mortgages

Traditional mortgage loans are built for long-term homeownership. Fix & Flip loans, on the other hand, are short-term business-purpose loans tailored for investment strategies. Key differences include:

No income verification or debt-to-income ratio requirements
Fast closings (often under two weeks)
Loan amounts based on ARV, not current condition
Draw schedules for renovations

Trying to decide between a flip or a rental strategy? Compare with conventional loans here.

What Lenders Look For

While personal credit isn’t the biggest factor in a Fix & Flip loan, lenders will review:

Your previous renovation or investment experience
The project’s scope and timeline
Your proposed budget and ARV projections
Market data and resale potential

If it’s your first flip, don’t worry—we work with beginners too. Explore more creative funding options now.

Benefits of Fix & Flip Loans

Quick closings to help you secure competitive deals
Increased leverage without tying up your own cash
Custom draw schedules to match renovation timelines
Exit strategy flexibility (resale or refi)

Flipping houses is more than just a trend—it’s a business. Make sure your funding partner moves as fast as you do. Apply now and get your next project rolling.

Common Fix & Flip Loan Questions

What credit score is needed?
While higher scores may receive better rates, many fix and flip lenders work with scores as low as 600—or even lower with strong equity.

Can I use this loan for rental properties?
Not directly. Fix & Flip loans are designed for resale. However, you can refinance into a long-term loan once renovations are complete. Explore second mortgage options for longer-term holding.

Can I use this loan for multi-family properties?
Yes. Many lenders fund 2-4 unit properties, and some go higher depending on experience and project viability.

Explore All Loan Types with JD.Mortgage

Whether you’re investing in a single-family flip or planning your first house hack, we have the products and support to help you succeed. Beyond Fix & Flip loans, we also offer:

Have questions? The JD.Mortgage team is here to help you make confident, profitable decisions with every property. Reach out today.

J.D. Peck