Fix & Flip Loan
Where Vision Connects with Renovation
Fix & Flip Loan offered Nationwide
Our nationwide Fix and Flip Loans are short-term real estate investment loans designed for investors, rehabbers, and property flippers looking to purchase, renovate, and resell residential properties for profit. Unlike traditional mortgages, fix and flip financing is based on the property’s After Repair Value (ARV), allowing borrowers to secure higher leverage for acquisition and renovation costs. RGC Capital Fix & Flip loans typically offer interest-only payments, minimal documentation, and fast approvals, making them ideal for investors who need quick, reliable capital to compete in today’s fast-moving real estate market.
This type of rehab loan is perfect for investors seeking flexible funding to complete value-add projects, improve distressed properties, or reposition homes for resale or long-term rental. Whether you’re a seasoned real estate investor or completing your first flip, fix and flip hard money loans provide the speed, convenience, and streamlined underwriting you need to execute your project efficiently. RGC Capital tailored loan programs designed for various renovation scopes, borrowers can maximize returns, shorten turnaround time, and scale their investment strategy with confidence.
Key Features of Our Fix & Flip Loan:
- High Leverage Financing: Up to 90% or more of the purchase price plus 100% of renovation costs, capped at 75% of the ARV.
- Flexible Renovation Options:
Value-Add Improvements: Add an ADU (Accessory Dwelling Unit), extra bedroom, or bathroom to increase property value.
Modernization Projects: Upgrade distressed or outdated homes to meet current market standards and attract buyers or tenants. - Nationwide Access: Available across the U.S. for eligible borrowers.
Loan Program Highlights
- Allows borrowers to finance their improvements
- Great for borrowers who need a quick close
- Low single-digit interest rates
- Streamlined process with no prepayment clause
- A low interest-only 1-year term provides lower monthly payments
- Funding Based on Property’s ARV
- Commonsense Underwriting
- Broker Friendly
This loan is perfect for those who want to revitalize properties, build equity, or create income opportunities through smart renovations and resale strategies.
Types of Properties Eligible for Fix & Flip Loan
Our Fix & Flip Loan program supports a wide range of residential investment properties.
Investor 1-4: SFR, Condo, and 2-4 Units
Benefits of the Loan Program
Our fix-and-flip loan program is designed to make real estate financing more accessible and flexible. We prioritize the property’s value over the borrower’s income or credit score, making it ideal for those looking to buy, renovate, and resell quickly. Whether you’re planning to update a home or add an ADU (Accessory Dwelling Unit) for increased value, this short-term loan offers interest-only payments with little to no prepayment penalties, allowing you to retain more profit upon sale. With RGC Capital, you can leverage your capital and bridge funding gaps by accessing up to 100% of renovation costs, helping you complete your property rehab project efficiently and profitably.
Target Clientele for this Loan Program
Our nationwide Fix & Flip Loans are tailored to meet the needs of a diverse group of borrowers. Whether you’re a first-time flipper, a seasoned real estate investor, or a contractor, builder, or entrepreneur entering the property rehab space, this program is designed to support your goals. It’s also ideal for real estate agents and brokers looking to expand their portfolio or assist clients with renovation-based purchases.
With a focus on collateral-based lending, flexible terms, and up to 100% renovation cost coverage, RGC Capital empowers clients to leverage their capital, complete projects efficiently, and maximize returns, regardless of experience level.
Documents required for the Loan Program Application
1. Sign RGC Capital loan proposal (LOI)
2. Driver’s license & social security card – for each borrower
3. Loan application (click here for the business purpose application)
4. Current mortgage statement and insurance on all properties owned
5. Purchase Agreement
6. Interior and Exterior Photos
7. If cash out, a letter of explanation
8. Renovation cost
9. Submit track record history
10. Complete entity docs if corporation or LLC
