Fix & Flip Loan Program

Transform Investment Properties with Complete Purchase and Renovation Financing

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What to Expect

Fix and Flip Financing at a Glance

Loan Amounts

$50,000 - $5,000,000+

Competitive Rates

Starting at 7.49% (Interest Only Charged on Outstanding Balance)

Maximum LTV

Up to 90% of Purchase Price + 100% of Renovation Costs

Flexible Terms

12-18 months with extension options

Fix and Flip 101

What are Fix & Flip Loans?

Fix and flip loans are specialized short-term financing solutions designed for real estate investors looking to purchase, renovate, and resell properties for profit. These loans combine acquisition and renovation costs into a single, streamlined financing package, allowing investors to execute their property improvement projects efficiently.

How do Fix & Flip Loans Work?

Fix and flip loans provide upfront funding for property purchase and staged disbursements for renovation costs. The loan covers up to 90% of the purchase price and 100% of renovation expenses, with draws released based on completed work. This structure allows investors to maintain steady project progress while only paying interest on funds actually used during the renovation process.

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

Streamlined Funding Process

Our experienced team understands the time-sensitive nature of property investments. We offer a simplified application process, quick underwriting, and efficient draw schedules tailored to your renovation timeline. This means you can move quickly on opportunities and maintain project momentum without funding delays.

Flexible Terms and Structure

We provide customizable loan terms up to 18 months, with extension options available. Our interest-only payments help maximize cash flow during the renovation period, and we offer competitive rates with funds drawn only as needed for construction costs.

Local Market Expertise

Our team brings deep knowledge of local real estate markets and renovation projects. We provide valuable insights on property values, renovation costs, and exit strategies, helping you make informed investment decisions and optimize your returns.

Comprehensive Support

From initial consultation through project completion, you'll work with dedicated specialists who understand both lending and construction. We offer expertise in renovation budgeting, draw schedule planning, and project management to help ensure your success.

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Minimum Requirements to Qualify for a Fix and Flip Loan

We strive to make fix and flip financing accessible to both experienced investors and promising new entrepreneurs. While we evaluate each project holistically, here are our basic requirements:

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- Minimum credit score consideration with focus on project viability

- Down payment of 10% or more of total project cost

- Clear exit strategy and renovation plan

- Property in approved location with value-add potential

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Understanding Fix & Flip Loan Requirements

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

Project Viability

The property's potential for value appreciation after improvements

Market Analysis

Local real estate trends and comparable sales

Experience Level

While we welcome first-time flippers with solid plans, experience can qualify you for better terms

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 for a Fix and Flip Loan?

Speak with a Capital Specialist Ready to discuss your project? Our loan officers are here to help structure the right financing solution.

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Frequently Asked Questions

How does the draw process work?

Draws are released based on completed work, verified by inspections, typically within 2-3 business days. This ensures funds are available as you need them throughout the renovation process.

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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