Rehab & Structural Construction Loans
Buying a property that needs significant work can be both invigorating and challenging. The uplifting prospect of reviving a structure often comes with the difficulty of funding the renovation. Designed for fixer-uppers, rehab loans simplify financing by combining purchase and renovation costs into a single multi-purpose loan.
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Rehab Structural Construction Loan: Program Highlights & Borrower Benefits
Our Rehab Structural Construction Loan is built for borrowers purchasing or refinancing a property that needs major improvements, structural repairs, or full-scale renovation.
Instead of using separate financing for the home purchase and construction costs, this program can combine both into one streamlined loan.
This is designed for borrowers who see opportunity in a property others overlook — and want financing to bring the vision to life.
Program Features
- 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
How It Works
Call or Apply Online
Call to Apply
Get Approved
Get Approved
Close and Fund
Close and Fund
Equinox Makes Financing Easy for Value-Add Homeowners
At Equinox, we work with borrowers transforming properties — whether restoring an older home, addressing structural issues, or modernizing a fixer-upper.
We help structure the project upfront with contractor bids, renovation budgets, and draw schedules to reduce friction and improve execution.
The goal isn’t just financing repairs.
The goal is financing transformation.
We help you present the project clearly and strategically.
Why Choose a Rehab Structural Construction Loan?
- Buyers purchasing fixer-uppers that need major repairs
- Homeowners refinancing to fund large-scale renovations
- Borrowers making structural or foundational improvements
- Clients seeking one loan instead of separate mortgage and rehab financing
- Buyers looking to finance improvements based on future value potential
- Homeowners who want to build equity through renovation
If you can see the value in what a property can become, this program works in your favor.
You see the potential.
Let the financing help you build it.
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.
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Answers to Your Questions
What Is a Rehab or Renovation Loan?
It is a mortgage that provides funds to improve a property. This single-loan solution includes money for construction work, whether you are purchasing a property or refinancing your current home to fund renovations.
- Combines home purchase and repairs into one renovation mortgage
- Designed for fixer-uppers and distressed properties
- Available to homeowners and investors
Tailored specifically for properties that might not qualify for traditional financing, rehab loans eliminate the need for juggling multiple loans or tapping into existing equity through a refinance.
What Types of Repairs Can Be Financed?
Highly customizable, rehab loans can cover a comprehensive scope of work, from minor upgrades to major structural overhauls.
- Cosmetic updates such as kitchen and bathroom remodels, new flooring, and painting
- Major systems, including HVAC, plumbing, and electrical
- Structural repairs such as foundation work, framing, and roofing
What Is an FHA 203k Loan?
It is a government-backed rehabilitation loan for primary residences.
- For borrowers planning to live in the home
- Down payment as low as 3.5%
- Must use licensed contractors
- Based on the after-renovation value
With more flexible credit requirements compared to conventional loans, 203k loans are more accessible for many borrowers. They come in two types: a Limited 203k for minor repairs and a Standard 203k for major structural work.
Other government-backed renovation options are available for eligible veterans (VA loans) and for properties in qualifying rural areas (USDA loans).
What Is the Fannie Mae HomeStyle Renovation Loan?
An alternative to FHA rehab programs, it is a conventional renovation mortgage option with broader eligibility for different property types.
- Used for primary residences, second homes, or investment properties
- Approval and loan amounts are based on the after-renovation value of the property
- Higher credit score requirements than FHA options (typically 620+)
- May allow for luxury upgrades not covered by FHA programs
Other conventional renovation mortgages include the Freddie Mac CHOICERenovation loan.
How Are Renovation Funds Paid Out?
Rather than a lump sum, funds are managed through a draw process to protect the project’s integrity and ensure contractor performance.
- Renovation funds are held in an escrow account at closing
- Money is released in stages as project milestones are met
- Professional inspections verify the progress before each draw is released
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!
*Disclaimer: Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 1/16/26 and is based on a cashout, 50% LTV, 800 FICO, $500,000 loan amount, 1.5 DSCR ratio, and a 5 Year Prepayment Penalty. Example: $500,000 X 8.375% /8.509% APR= $3800.36 P&I monthly payment.