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.
- Terms are 12 months, with an 18‑month option available case‑by‑case.
- 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Modernization Projects: Upgrade distressed or outdated homes to meet current market standards and attract buyers or tenants.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
- Loan amounts range from $200K to $3M
- 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
Submit Your Loan Scenario
Frequently Asked Questions (FAQs)
What is a fix and flip loan?
A fix-and-flip loan is a short-term real estate investment loan designed to help investors purchase, renovate, and resell residential properties. These loans are based on the property’s After Repair Value (ARV), not the borrower’s income.
Who are fix and flip loans best for?
Fix and flip loans are ideal for real estate investors, rehabbers, contractors, builders, and first-time or experienced property flippers looking for fast, flexible financing.
How are fix and flip loans different from traditional mortgages?
Unlike traditional mortgages, fix and flip loans focus on the property and renovation plan rather than borrower income or long approval timelines. They offer faster closings, interest-only payments, and higher leverage.
What loan amount and leverage are available?
Borrowers may finance up to 90% or more of the purchase price plus up to 100% of renovation costs, capped at 75% of the After Repair Value (ARV), depending on the project and borrower profile.
What is ARV and why does it matter?
ARV, or After Repair Value, is the estimated value of the property after renovations are completed. Fix and flip loans are underwritten based on ARV, allowing investors to maximize leverage and project profitability.
Do fix and flip loans require income verification?
No. Fix and flip loans are asset-based and typically require minimal documentation. Approval is based on the deal, the renovation scope, and the property’s projected value.
Are fix and flip loans interest-only?
Yes. Fix and flip loans are structured with interest-only payments, helping investors keep monthly payments low and preserve cash flow during renovation.
How fast can a fix and flip loan close?
Fix and flip loans are designed for speed and can often close quickly, making them ideal for competitive purchases and time-sensitive acquisitions.
Can renovation costs be financed?
Yes. Fix and flip loans allow borrowers to finance up to 100% of renovation costs, including upgrades, remodels, and value-add improvements such as ADUs, bedrooms, or bathrooms.
What types of properties qualify for fix and flip loans?
Eligible properties include investor single-family residences, condos, and 2–4 unit residential properties intended for renovation and resale or rental.
Are fix and flip loans available nationwide?
Yes. Our fix and flip loan program is available nationwide for eligible borrowers and properties.
What documents are required to apply for a fix and flip loan?
Typical requirements include a signed loan proposal (LOI), loan application, government-issued ID, purchase agreement, renovation budget, interior and exterior property photos, current mortgage and insurance statements (if applicable), track record history, and entity documents for LLCs or corporations.
