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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Want to Fast-Track Your Next Fix & Flip?
At Equinox Home Financing, we specialize in helping real estate investors expand their portfolios with fix-and-flip financing designed specifically for distressed and upgrade-ready properties.
Program Features:
- Finance the purchase and renovation with one loan
- Draw renovation funds as work progresses
- Pay interest only on funds drawn
- Qualify based on After-Repair Value (ARV), not personal income
- Fast approvals and closings to help you secure deals quickly
Our approach focuses on real-world renovation timelines and successful house flipping strategies. Whether you are renovating properties for resale or preparing them for long-term rental income, our home flipping loans offer flexibility with qualification based on project potential.
If your investment plans have been slowed or stopped by rigid loan requirements, we’re here to help get your deal going.
See if your real estate investment project qualifies today. Let us help support your strategy with streamlined fix-and-flip loans tailored to your needs.
How It Works
Call or Apply Online
Get Approved
Closed and Fund
Equinox Makes Financing Easy for Real Estate Flippers
We help real estate investors secure loans for purchasing and renovating properties. With a deep understanding of renovation timelines, draw schedules, and exit strategies, we specialize in renovation-focused programs.
Why Choose a Fix & Flip Loan?
- Dedicated Fix & Flip loan programs for investors and developers
- Quick closings to help fast-track your project
- Flexible approval requirements – no income docs needed
- Attractive short-term financing rates
- Support before, during, and after the loan
We are the Alternative Mortgage Financing Experts.
At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.
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.
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There’s no need to wait any longer. Get financing now!
*Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 7/9/25 and is based on a 8 unit multi-family property, 1.25% DSCR, 50% LTV, Purchase Loan, 800 FICO score.