0 Down Fix and Flip Loans

Scale Your Renovation Projects with 100% Financing

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What to Expect

0 Down Fix & Flip Financing at a Glance

Loan Amounts

$75,000 - $3,000,000

Competitive Rates

Starting at 12.90%

Maximum ARV

Up to 65% of ARV

Terms

9 months

0 Down Fix & Flip Loans 101

What are 0 Down Fix & Flip Loans?

Our innovative zero down payment program is designed specifically for experienced real estate investors looking to maximize their renovation projects. These loans provide 100% financing up to 65% of After Repair Value (ARV), allowing seasoned investors to scale their fix and flip business without tying up capital in down payments.

How do 0 Down Fix & Flip Loans Work?

We streamline the process through desktop appraisals and efficient underwriting designed for experienced investors. The program focuses on light to medium renovation projects, with rehab costs not exceeding 35% of the total loan amount. Borrowers can roll up to $5,000 in closing costs into the loan, maximizing cash preservation while maintaining strong project returns.

Benefits of Getting a 0 Down Fix & Flip Loan Through Joseph Capital Network

Zero Down Payment Structure

Preserve your capital by accessing 100% financing up to 65% of ARV. This innovative structure allows you to take on multiple projects simultaneously without depleting your cash reserves. Our program enables experienced investors to maximize their portfolio returns by maintaining liquidity for unexpected opportunities or expenses.

Streamlined Desktop Appraisal

Skip the traditional appraisal process with our efficient desktop valuation system. This accelerated approach significantly reduces closing timelines and costs while maintaining accurate valuations. Our technology-driven process helps you move quickly on time-sensitive opportunities without sacrificing due diligence.

Flexible Renovation Funding

Access funds for light to medium renovation projects with our efficient draw process. Our construction draw management team ensures smooth disbursement of renovation funds throughout your project timeline. We've structured the program to accommodate rehab costs up to 35% of the total loan, providing ample room for value-add improvements.

Experienced Investor Focus

Benefit from a program designed specifically for seasoned fix & flip professionals. Our streamlined process recognizes your track record and experience, resulting in faster approvals and closings. We understand the unique needs of high-volume investors and have eliminated common barriers that slow down traditional financing.

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Minimum Requirements to Qualify

Our 0 Down Fix & Flip program is designed for experienced investors who meet these criteria:

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- 10+ completed rehabs in past 36 months

- $50,000+ in liquid reserves

- 620+ FICO score

- Clean background check

- Light to medium renovation scope (max 35% of loan)

- 1-4 family residential properties

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Understanding 0 Down Fix & Flip Requirements

Success in fix and flip projects requires more than just meeting minimum qualifications. We evaluate each application based on

Track Record Requirements

Demonstrated success with minimum 10 completed renovation projects in the past 36 months. Must show consistent performance and project completion history.

Financial Qualifications

Minimum $50,000 in liquid reserves (bank, savings, or brokerage accounts) and credit score of 620+. No judgments, foreclosures, or bankruptcies permitted.

Project Parameters

Renovation budget cannot exceed 35% of total loan amount. Properties must be 1-4 family residential with clear value-add potential through light to medium rehabilitation.

If you meet these minimum requirements, you will then need to meet a plethora of additional financing and industry-based requirements that will be based on the size of the loan along with the intended use of the loan.

Want to know if you qualify?

Speak With a Fix & Flip Specialist. Get expert guidance on maximizing your renovation project returns with zero down payment financing.

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Frequently Asked Questions

What's the maximum loan amount available?

Up to $3,000,000 for qualified investors.

Do you fund first-time flippers?

Yes, we offer programs for first-time investors with a solid plan and team in place. While experience can help qualify for better terms, we evaluate each project on its overall merit.

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