Flip Mortgage Financing
Traditional lenders move too slowly for fix-and-flip investors. We work with specialized hard money lenders and private capital sources capable of closing in days rather than months, securing financing for property acquisition, renovation, and resale across Canada, the U.S., and Mexico.
Strategy Call
Discuss your flip project and financing needs
Custom Solution
We structure the optimal financing package
Fast Closing
Close in as little as 7-10 days
Flip Financing That Banks Can't Match
Traditional lenders focus on your current assets and move too slowly. We focus on what really matters: your deal, your exit strategy, and your project's after-repair value.
Fast Closings
Close in as little as 7-10 days with hard money lenders when you have a time-sensitive deal.
Cross-Border Expertise
We maintain specialized lender relationships enabling U.S. and Mexican property financing for Canadian investors.
ARV-Based Lending
Lenders focus on after-repair value rather than current condition, maximizing your borrowing power.
Flexible Draw Schedules
Construction holdback funds with flexible draw schedules tied to your contractor timelines.
First-Timer Friendly
New to flipping? Qualification is possible with strong financials, solid business planning, and conservative projections.
Combined Financing
Fix-and-flip loans fund both acquisition and renovation with funds held in escrow and released through staged draws.
Ready to fund your next flip?
Let's discuss your project and find the right financing solution.
Complete Flip Financing Solutions
From quick-close acquisition to cash-out refinance, we provide comprehensive solutions for every stage of your fix-and-flip project.
Purchase
Fast-closing acquisition loans focusing on after-repair value rather than current condition. When you find a deal, you need to move quickly before it's gone.
Discuss this financing optionWhat's Included
- Close in as little as 7-10 days
- Evaluation based on ARV, not current condition
- Financing for distressed and as-is properties
- Minimal red tape and streamlined process
- Competitive rates for experienced flippers
What Our Clients Say
Questions About Flip Financing
Everything you need to know about fix-and-flip loans. Can't find your answer? Book a call with our team.
Getting Started
Down payment requirements typically range from 10-30% depending on your experience, the property's condition, and your exit strategy. First-time flippers may need closer to 25-30%, while experienced investors with a strong track record may qualify for as little as 10-15% down.
Yes, qualification is possible with strong financials, solid business planning, and conservative valuation projections. Having a detailed renovation budget, realistic ARV estimates, and partnering with experienced contractors can significantly improve your chances of approval.
We can close in as little as 7-10 days with hard money lenders when you have a time-sensitive deal. Bridge financing typically closes within 2-3 weeks, while more traditional products may take 30-45 days.
Rates & Terms
Bridge and hard money loans typically run 9-15%, while portfolio loans for experienced flippers might be 7-10%. Rates depend on your experience, the property, your exit strategy, and current market conditions. Remember, the speed and flexibility often outweigh the higher rates.
Lenders primarily use 'Loan-to-ARV' (After Repair Value) or 'Loan-to-Cost' formulas to determine maximum lending amounts. Most will lend 65-75% of ARV or 80-90% of total project cost, whichever is lower.
Most loans offer 6-12 month terms with extension options typically costing 1-2 points per extension period. It's important to build buffer time into your project timeline and budget for potential extensions.
Loan Types
Yes-fix-and-flip loans fund both with renovation funds held in escrow and released through staged draws as work is completed. This simplifies your financing with one loan, one closing, and one set of fees.
Hard money emphasizes asset value with minimal credit requirements and is typically from private lenders. Bridge loans may come from institutional sources with slightly stricter qualification criteria but potentially better rates. Both serve similar purposes but have different underwriting approaches.
Yes, financing is available through specialized lenders familiar with heavy renovation requirements. Properties with structural issues typically require 25-35% down payments, but we have lenders who specialize in even the most challenging projects.
Special Situations
Yes, we maintain specialized lender relationships enabling U.S. and Mexican property financing for Canadian investors. We understand the unique challenges of international flipping including currency considerations, local regulations, and cross-border tax implications.
Absolutely! The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) is very popular. After renovation, you can refinance into a long-term DSCR loan based on the property's rental income and pull your capital out to fund your next flip.
Still have questions about your flip project?
Talk to an Expert