Speed is the product. ARV is the math.

Short-term rehab financing for investors buying, renovating, and reselling (or refinancing into a DSCR). Underwritten to the deal — purchase price, rehab budget, and after-repair value.

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MEMBERS GET ANSWERS FROM REAL INVESTOR GUIDELINES — WITH CITATIONS

The orbit briefing

Fix & flip is business-purpose bridge lending with a construction component. The lender advances a share of the purchase plus a rehab budget released in draws, and the exit — resale or refinance — repays the note in 12–24 months.

Experience is the real currency: completed-project count moves leverage, pricing, and how much rehab a lender will fund. A first-timer with a great deal still gets financed — just at more conservative terms.

Built for

Active flippers with a project pipeline
BRRRR investors planning a DSCR refinance exit
GC/investor hybrids who self-perform rehab
Wholesalers stepping into their first takedowns

How the leverage stacks

1
Three dials: % of purchase (LTC), % of rehab funded, and a ceiling as % of ARV — the deal must clear all three.
2
Rehab funds release in draws after inspections; borrowers front each phase and get reimbursed.
3
Interest is often charged on drawn balance only (better) or full commitment (watch for it).
4
Exit analysis is underwriting: resale comps or the DSCR refi both get sanity-checked up front.

Typical guardrails

Educational ranges across the market — every investor grids this differently.

PURCHASE LTC	80 – 90%	Experience tiers push the top end
REHAB FUNDING	up to 100%	Subject to the ARV ceiling
ARV CEILING	65 – 75%	The binding constraint on heavy rehabs
TERM	12 – 24 months	Extensions cost points; plan the exit honestly
EXPERIENCE	0 – 5+ exits	Verified by HUDs/deeds — tier breakpoints at 1, 3, 5 projects

EXACT NUMBERS LIVE ON THE SCENARIO DESK — CITED TO THE GUIDELINE PAGE

The LO talk track

“Bring me the purchase price, rehab budget, and your ARV comps — that's the whole app.”
“Your last three HUDs are worth half a point. Experience is priced in this market.”
“If the exit is a rental, let's pre-flight the DSCR refi now so the takeout is real.”

Where files go sideways

ARV optimism — lenders re-comp it, and a 10% haircut can break the leverage stack.
Draw-schedule cash-flow surprises: borrowers front each phase before reimbursement.
Scope creep past the approved budget with no contingency line.
Assuming owner-occupied rules apply — this is business-purpose lending; occupancy is prohibited.

Straight answers

Can a first-time flipper get funded?

Yes — expect lower LTC, a stronger liquidity requirement, and sometimes a GC requirement. A season-one flipper with a licensed GC reads much better.

Are these consumer loans?

No — business-purpose, typically to an entity, exempt from ATR/QM. That's why speed is possible.

What does the draw process look like?

Complete a phase → inspection → reimbursement, usually 3–7 days per cycle. Budget working capital accordingly.

Elsewhere in the universe

All programs

DSCR

Qualify the property, not the paycheck.

Bank Statement

Deposits tell the real income story.

Foreign National

No US credit? The file still flies.

EDUCATION ONLY — CONFIRM EVERY TERM WITH THE INVESTOR'S PUBLISHED GUIDELINES

ENTERING ORBIT…

Where files go sideways

ARV optimism — lenders re-comp it, and a 10% haircut can break the leverage stack.

Draw-schedule cash-flow surprises: borrowers front each phase before reimbursement.

Scope creep past the approved budget with no contingency line.

Assuming owner-occupied rules apply — this is business-purpose lending; occupancy is prohibited.

Speed is the product. ARV is the math.

Built for

The LO talk track

Where files go sideways

Can a first-time flipper get funded?

Are these consumer loans?

What does the draw process look like?

Ask the guidelines

Join the Fix & Flip room

News & guides

Speed is the product. ARV is the math.

Built for

The LO talk track

Where files go sideways

Can a first-time flipper get funded?

Are these consumer loans?

What does the draw process look like?

Ask the guidelines

Join the Fix & Flip room

News & guides