No Income Docs or Tax Returns
Approval isn't tied to your W-2s, pay stubs, or personal tax returns. The deal's numbers do the qualifying.
Fix & Flip Financing
Fix and Flip Loans 2026: Fast-Track Approvals on Your Next Rehab Project
Fix and flip loans finance both the acquisition and renovation of your investment property — approval is based on the deal, the rehab budget, and the after-repair value (ARV), not your personal income or tax returns. Built for the speed competitive markets demand.
No Tax Returns Close in an LLC As Fast as 7 Days
Nationwide Capital
Network
Asset-Based
Underwriting
Fast 7-Day
Closings
Investor-Friendly
Terms
Why Fix & Flip Financing
The Financing Built Around Your Deal, Not Your Desk Job
Conventional mortgages weren't designed for investors who move fast and renovate to create value. Fix and flip loans are.
Underwritten on Purchase Price, Rehab Budget & ARV
Loan sizing is driven by the property's loan-to-cost and its after-repair value — the metrics that actually determine deal viability.
Fast Closings So You Win the Deal
Closing timelines as fast as 7 days. In competitive markets and at auction, speed is the difference between winning and watching.
Side-by-Side Comparison
Not All Financing Is Built for Investors
Conventional Financing
- Requires full personal income verification, tax returns, and employment history
- Slow closing timelines — 30–60+ days typical, incompatible with auction or competitive bidding
- No built-in renovation funding — rehab costs come entirely out of pocket
- Designed for long-term ownership — not aligned with a short-term sell-or-refinance exit strategy
INVESTOR PREFERRED
Fix and Flip Loans
- Qualification based on the deal — purchase price, rehab budget, and after-repair value (ARV)
- Rehab budget funded through a draw schedule — released as renovation milestones are completed
- Fast closings — as fast as 7 days, built for competitive markets and auction timelines
- Interest-only short-term structure (6–18 months) aligned with a sell-or-refinance exit strategy
Eligibility
Built for Real Estate Investors and Flippers
Whether you're closing your first deal or scaling a portfolio, fix and flip financing meets you where you are.
First-Time Flippers
New to fix and flip? Loans are sized around your deal, and terms reflect your experience level — giving first-timers a real path to funding.
Experienced Investors Scaling Their Pipeline
Track record matters. More flips under your belt can mean better leverage and terms on your next deal.
Contractors and Builders
Renovation professionals taking on projects directly — fix and flip financing supports ground-up and heavy-rehab builds.
Investors in Fast-Moving Markets
When multiple offers hit simultaneously or the property goes to auction, closing speed is the competitive edge. Funding in as fast as 7 days.
Investors Closing in an LLC or Entity
Fix and flip loans commonly close in an LLC or other entity name — keeping your personal assets insulated and your structure clean.
Investors Wanting Income-Light Underwriting
Self-employed, multiple income streams, or just don't want to hand over tax returns? The deal qualifies — not your paycheck.
How It Works
The Deal Qualifies, Not Your Paycheck
A streamlined process designed around the speed and structure real estate investors actually need.
1
We Review the Purchase Price, Rehab Budget, and ARV
We analyze the deal fundamentals — what you're paying, what you'll spend on renovation, and what the property is worth after repairs. That's the foundation of your loan structure.
2
We Structure Your Purchase Funds and Draw Schedule
Purchase funds close at settlement. Rehab budget is released through a draw schedule as renovation milestones are completed and inspected — so capital flows with your project.
3
Get Approved and Close Fast
Underwriting moves at deal speed. Closings can happen in as fast as 7 days — in your LLC or entity name — with interest-only payments while you renovate and prepare for your exit.
Use Cases
What You Can Finance
Fix and flip loans are versatile — across property types, deal structures, and renovation scopes.
Single-Family Fix and Flip Purchases
The core use case — acquire, renovate, and sell or refinance a single-family investment property.
Multi-Unit Renovation Projects
Duplexes, triplexes, and small multi-family properties in need of renovation before sale or long-term hold.
Ground-Up or Heavy Rehab Projects
Major structural renovation or ground-up builds for contractors and developers working on high-value transformations.
Bridge Financing Between Flips
Keep your pipeline moving — bridge financing connects deals when timing doesn't align perfectly between sales and new acquisitions.
Frequently Asked Questions About Fix and Flip Loans
Financing your next renovation project — from purchase to profitable resale.
A fix and flip loan is a short-term financing option designed for investors who purchase a property, renovate it, and resell it for a profit — typically within 6 to 18 months. Unlike a conventional mortgage, funding is based primarily on the property's after-repair value (ARV) rather than the borrower's income or long-term ability to repay, since the loan is structured to be paid off quickly through the sale. Many lenders release funds in stages tied to renovation milestones, known as a draw schedule, rather than disbursing the full loan amount upfront.
Fix and flip lenders typically base loan amounts on a percentage of the purchase price and a percentage of estimated renovation costs, often combined into a single loan-to-cost (LTC) ratio — commonly up to 90% of purchase price and 100% of renovation costs, subject to an overall cap based on the property's after-repair value (usually 65–75% of ARV). This structure allows investors to finance both the acquisition and the rehab budget without tying up as much of their own cash compared to conventional financing.
Fix and flip loans generally place less weight on personal credit and income documentation than conventional mortgages, since approval is based primarily on the deal itself — the purchase price, renovation budget, and projected resale value. That said, most lenders still review credit history to assess overall risk, and a stronger credit profile can help you secure better rates or terms. Tax returns and employment verification are typically not required, making this option accessible to self-employed investors or those with multiple ongoing projects.
Fix and flip loans are built for speed, with many lenders closing in as little as 7 to 14 days — significantly faster than the 30-45 days typical of conventional mortgage underwriting. This quick turnaround is possible because approval focuses on the property and project scope rather than extensive personal financial documentation, which is especially valuable in competitive markets where a fast, reliable close can make your offer stand out.
Fix and flip loans are actually a specific type of hard money loan — "hard money" describes the broader category of asset-based, short-term financing, while "fix and flip" refers to loans structured specifically around the buy-renovate-sell timeline, often including staged draws for renovation costs. Some hard money loans are used for other purposes, like bridge financing or rental property acquisition, without the same renovation-draw structure built in. If your project involves renovation and a planned resale, a fix-and-flip-specific loan will typically be tailored more precisely to that timeline and budget than a general hard money product.
Rehab funds are typically released in draws as renovation milestones are completed and inspected, rather than all at once at closing. The purchase funds are disbursed at settlement to close the acquisition; the rehab budget then flows through a draw schedule as work progresses. This structure keeps the lender's risk aligned with project completion and ensures capital is available when you need it during each renovation phase.
Fix and flip loans offer fast, project-based financing for real estate investors, with terms that vary by lender, property, and renovation scope. Consult a licensed mortgage professional to review current rates and confirm the right structure for your project timeline.
Get My Fix and Flip QuoteWhat You'll Need
A Short Document Checklist
Fix and flip loans are income-light by design. The documentation list is short and deal-focused.
Purchase Contract & Scope of Work
Signed purchase agreement and a detailed scope of work with your rehab budget — the foundation of deal underwriting.
Comparable Sales / ARV Support
Comparable sold properties or an appraisal supporting the after-repair value — this is the primary sizing driver for your loan.
Standard ID + LLC / Entity Docs
Government-issued ID and, if closing in an entity name, LLC or corporate formation documents. No tax returns or income verification.
Exact requirements may vary by deal. Your loan specialist will confirm the full list.
Investor Stories
What Investors Are Saying
"There were three other offers on the property. Because we closed in 6 days, we won. The draw schedule kept our rehab funded exactly when we needed capital — no scrambling for cash mid-renovation."
MR
Marcus R.
Real Estate Investor — Atlanta, GA
"I'm self-employed and my tax returns don't reflect what I actually earn. With a conventional lender I kept getting declined. Here, none of that mattered — the ARV told the story. I've now closed four flips through them."
DL
Danielle L.
House Flipper — Phoenix, AZ
"As a contractor who started buying properties to flip myself, I needed a lender that understood rehab budgets — not just appraisals. The draw schedule matched our project phases exactly, and closing in our LLC was easy."
JT
James T.
Contractor & Investor — Nashville, TN
Get Started
Get Your Fix and Flip Quote — Fast
Tell us about your deal. We'll review the purchase price, your rehab budget, and the ARV — and come back to you with a quote structured around your numbers, not your tax returns.
- No personal income verification required
- Closings as fast as 7 days
- Purchase & rehab budget funded together
- Close in your LLC or entity name
Honest About Trade-Offs
Fix and flip loans carry higher rates than conventional mortgages in exchange for speed, flexibility, and income-light documentation. An accurate ARV and realistic rehab budget are essential — underwriting depends on them. We'll work with you to make sure the numbers tell the right story.