Fix N Flip Loan Programs
✔ Soft Credit Pull • ✔ No Obligation • ✔ Nationwide Programs Available
FIX & FLIP LOANS
Fast, Flexible Rehab & Investment Property Funding
Fix & Flip Loans for Real Estate Investors Nationwide
Real estate investors rely on Fix & Flip Loans to acquire distressed properties, finance renovations, and sell for profit. Whether you're rehabbing single-family homes, multifamily units, mixed-use buildings, or commercial value-add projects, a fix-and-flip loan provides the upfront acquisition capital, rehab financing, and short-term liquidity you need to complete the project.
At Federal National Funding Capital Group, we provide fast approvals, competitive ARV-based funding, and nationwide fix & flip programs for investors of all experience levels. With bank-statement options, asset-based underwriting, and programs available for 575+ FICO, we help investors close quickly and scale their portfolios.
What Is a Fix & Flip Loan?
A Fix & Flip Loan is a short-term financing solution designed for real estate investors who purchase undervalued, distressed, or outdated properties and renovate them for resale. These loans typically include:
Acquisition financing
Rehab or renovation budget
Interest-only payments
Short-term terms (6–18 months)
Exit strategy via sale or refinance
Fix & Flip Loans allow investors to move quickly on opportunities without tying up personal capital, making them essential for competitive real estate markets.
How Fix & Flip Loans Work
Fix-and-flip funding is built around two numbers:
1. Purchase Price
How much you are paying for the property.
2. After-Repair Value (ARV)
The estimated value after rehab is complete.
Federal National Funding Capital Group provides financing based on both the purchase price and the ARV, enabling higher leverage.
Typical Loan Structure:
Up to 85–90% of purchase price
Up to 100% of rehab costs
Up to 70–75% ARV
Investors then make interest-only payments during the project timeline and repay the principal upon sale or refinance.
What Fix & Flip Loans Can Be Used For
Investors commonly use Fix & Flip Loans for:
✔ Distressed property acquisition
✔ Cosmetic or structural renovations
✔ Repositioning or reconfiguring layouts
✔ Mechanical upgrades (HVAC, electrical, plumbing)
✔ Multifamily value-add improvements
✔ Roof, windows, and exterior repairs
✔ Kitchen & bathroom remodels
✔ Stabilization before DSCR refinance
From minor cosmetic updates to full gut renovations — our programs support all levels of rehab.
Fix & Flip Loan Highlights
✔ Loan Amounts:
$75,000 – $10,000,000+
✔ Terms:
6 – 18 months
✔ Payments:
Interest-only (major investor advantage)
✔ Leverage:
Up to 90% Purchase
Up to 100% Rehab
Up to 75% ARV
✔ Speed:
Closings in 5–10 business days
✔ Property Types:
Single-family (1–4 units)
Multifamily
Mixed-use
Condos
Townhomes
Small commercial
Portfolios
✔ Credit Requirements:
Programs available for 575+ FICO
✔ Experience Levels:
First-time investors welcome
Best terms for 3+ prior flips
ARV (After-Repair Value) Explained
The ARV determines how much funding you can receive.
Formula:
ARV = Estimated Sale Price After Renovations
Lenders typically allow:
Up to 70–75% of ARV
Example:
ARV = $400,000
Maximum loan = $280,000–$300,000
This structure allows investors to keep more cash on hand while the lender funds most of the project.
Fix & Flip Loan Requirements
Basic Requirements:
3–12 months bank statements
Voided business check
Purchase & Sale contract
Rehab budget & scope of work
FICO 575+
(Optional) Prior experience details
(Optional) Property photos / comps
Additional Items for Large Projects:
LLC or entity docs
Personal financial statement
Contractor estimates
Appraisal or BPO (case-by-case)
We offer reduced doc & bank statement qualification programs.
Fix & Flip Loan vs. Hard Money Loan
Many investors confuse these terms — here's the breakdown:
| Feature | Fix & Flip Loan | Hard Money Loan |
|---|---|---|
| Purpose | Rehab + resell | Short-term asset-based financing |
| Leverage | Higher (ARV-based) | Moderate |
| Rehab Financing | Included | Sometimes separate |
| Payments | Interest-only | Interest-only |
| Best For | Value-add projects | Fast closings / distressed deals |
Federal National Funding Capital Group provides both — depending on the deal.
Fix & Flip vs. Bridge Loans
| Feature | Fix & Flip | Bridge Loan |
|---|---|---|
| Best For | Renovations & flips | Stabilization or time-sensitive acquisitions |
| Rehab Included | Yes | Case-by-case |
| Term | 6–18 months | 6–24 months |
| Underwriting | Rehab-driven | Value-driven |
Both products are investor favorites — the right choice depends on your exit strategy.
Fix & Flip Financing for New Investors
We welcome new investors who meet:
580+ FICO
Solid rehab plan
Verifiable income or strong bank deposits
Accurate comps
Reasonable ARV
We provide coaching, budget review, and deal feasibility guidance to help first-time flippers succeed.
Why Fix & Flip Investors Choose Us
✔ Nationwide Fix & Flip Expertise Across All Property Types
We fund fix & flip projects for single-family, multifamily, mixed-use, and light commercial properties anywhere in the U.S.
✔ Fast Funding — Close in 5–10 Days
Investors need speed. Our streamlined underwriting helps you secure deals before competitors.
✔ High Leverage Up to 90% Purchase + 100% Rehab
Maximize your ROI with competitive ARV-based lending.
✔ Bank-Statement & Reduced Documentation Programs
Qualify without traditional tax returns — perfect for self-employed investors.
✔ Programs for 575+ FICO
We fund strong deals even with lower credit scores.
✔ Expertise With Distressed & Value-Add Deals
We fund properties that banks avoid — including heavy rehab, vacant buildings, and deferred maintenance.
✔ Clear, Transparent Terms With No Hidden Fees
We disclose everything upfront: costs, draws, timelines, and exit strategies.
✔ Dedicated Investment Property Advisors
You work directly with an investor-focused lending specialist who structures your deal to maximize returns.
✔ Scalable Funding for REI Growth
Whether you complete 1 flip per year or 20+, we tailor credit lines and capital solutions to support your expansion.
Step-by-Step Loan Process
Step 1: Pre-Approval (Same Day)
Submit basic property details and bank statements.
Step 2: Underwriting & ARV Review
We analyze comps, budget, and investor experience.
Step 3: Approval & Term Sheet
You receive leverage, rates, and terms.
Step 4: Closing
Funding available in 5–10 business days.
Step 5: Rehab Draws
Funds disbursed in stages as work progresses.
Step 6: Exit Strategy
Sell for profit or refinance into a DSCR loan.
Ideal Property Types & Scenarios
Fix & Flip loans excel for:
Distressed homes
Foreclosures
Auction deals
Bank-owned properties
Properties with structural/mechanical issues
Multifamily repositioning
Light commercial value-add
Estate sales
Vacant or uninhabitable homes
If it needs improvement — we fund it.
FAQ
What credit score is required?
Programs available for 575+ FICO.
How long does approval take?
Same-day pre-approvals.
Do you fund new investors?
Yes.
Do you require tax returns?
Not always — bank-statement options available.
How much can I borrow?
$75,000 to $10,000,000+.
Do you fund heavy rehab projects?
Yes — including structural and mechanical.
Do you offer ARV-based lending?
Yes — up to 75% ARV.
Conclusion
Fix & Flip Loans are essential for investors who want to capitalize on distressed or undervalued real estate opportunities. With Federal National Funding Capital Group, you get fast, transparent, nationwide financing that supports your acquisition, rehab, and resale strategy — whether you're a first-time flipper or a seasoned investor.
If you're ready to close deals faster and scale your real estate portfolio, our advisors are here to structure the best possible loan for your next flip.
Prequalify for Real Estate Financing
✔ Soft Credit Pull • ✔ No Obligation • ✔ Nationwide Programs Available