Fix & Flip Loans
If you’re looking to buy and rehab an investment property for a house flip, a Fix & Flip loan is an ideal short-term financing option. This renovation mortgage loan is designed for real estate investors, focusing loan approval on the project’s potential rather than personal income.
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Fix & Flip Loan: Program Highlights & Investor Benefits
Our Fix & Flip Loan is built for real estate investors looking to acquire, renovate, and resell properties for profit — without tying up all of their own capital.
Instead of qualifying based on personal income, this program focuses primarily on the asset, project scope, and investor experience.
This is designed for investors who move fast — and need financing that can keep up.
Program Features
Loan Amounts: $200,000 – $5,000,000+ (varies by project and leverage)
Property Types: Single-family, condos, townhomes, 1–4 unit properties
Purchase Financing: Up to 95% of purchase price
Occupancy: Non-owner-occupied investment properties only
Rehab Financing: Up to 100% of renovation costs (subject to limits)
Experience: First-time and seasoned investors considered
Max Leverage: Up to 75% of After Repair Value (ARV)
Loan Terms: Typically 12–24 month interest-only bridge financing
Min Credit Score: 680+ (720+ preferred for stronger pricing)
Income Documentation: Minimal to none, depending on scenario
Reserves: Varies based on project size and borrower profile
No traditional income verification required. No tax returns required in many cases. Financing can cover both acquisition and renovation costs.
This program rewards investors who understand value creation and want leverage to scale multiple projects.
Program Highlights
Loan Amounts: $200,000 – $5,000,000+ (varies by project and leverage)
Purchase Financing: Up to 95% of purchase price
Rehab Financing: Up to 100% of renovation costs (subject to limits)
Max Leverage: Up to 75% of After Repair Value (ARV)
Min Credit Score: 680+ (720+ preferred for stronger pricing)
Property Types: Single-family, condos, townhomes, 1–4 unit properties
Occupancy: Non-owner-occupied investment properties only
Experience: First-time and seasoned investors considered
Loan Terms: Typically 12–24 month interest-only bridge financing
Income Documentation: Minimal to none, depending on scenario
Reserves: Varies based on project size and borrower profile
No traditional income verification required. No tax returns required in many cases. Financing can cover both acquisition and renovation costs.
This program rewards investors who understand value creation and want leverage to scale multiple projects.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Financing Easy for Real Estate Investors
We help structure the deal upfront around purchase price, rehab budget, and after-repair value to improve execution and reduce friction.
The goal isn’t just funding. The goal is profitable execution.
We help investors position each project strategically — from acquisition through exit.
Why Choose a Fix & Flip Loan?
If you know how to add value to a property, this program works in your favor.
You find the opportunity. Let the financing help you flip it.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Application to Closing Conversion
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
What Is a Fix & Flip Loan?
A Fix & Flip loan is a specialized short-term financing tool for purchasing and improving an investment property for resale or refinancing into long-term rental financing.
- Covers both the purchase and renovation budgets
- Commonly used in loans for flipping houses
- Typically designed for timelines of 6–18 months
- Interest-only payments that maximize project cash flow
With a focus on property potential rather than borrower income, approval is often easier than with conventional loans.
How Is the Loan Amount Determined?
We consider the purchase price, After-Repair Value (ARV), and Loan-to-Cost (LTC) to calculate your fix-and-flip financing.
- ARV estimates the property’s value after renovations
- LTC is the ratio of the loan amount to the total project cost (purchase + rehab)
Loan amounts are commonly 80–90% of the total project cost, and down payment requirements are often lower for experienced real estate investors.
What Is a Non-Dutch Draw Structure?
A unique feature of our renovation financing, a non-Dutch structure limits interest to the funds you actually use.
- Interest accrues only on the drawn portion of the rehab budget
- Allows for more budget flexibility during the renovation
- Reduces monthly carrying costs
Can First-Time Flippers Qualify?
Yes. While real estate flipping experience may influence terms, we work with investors at all levels.
- Strong deal fundamentals are the priority
- Partnering with an experienced contractor can improve loan terms
- Beginners may need to put more money down or show higher cash reserves
- First-time flippers typically need credit scores of at least 660 and strong financial profiles
Can I Switch to a Fix-and-Hold Strategy After Renovations?
Yes. Real estate investors commonly keep their options open during a rehab and may decide to keep the property as a long-term rental.
- Market conditions may change between purchase and renovation completion
- Strong rental demand may make holding more profitable than selling
- Rental income can provide ongoing cash flow instead of a one-time profit
We can discuss refinancing options into a long-term rental loan (such as a DSCR loan) upon the project’s completion.
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