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)
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
This program rewards borrowers who want to build equity through improvement rather than buying a fully renovated.
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
This program rewards borrowers who want to build equity through improvement rather than buying a fully renovated.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Financing Easy for Value-Add Homeowners
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?
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.
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 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
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