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Fix & Flip Loans for Canadian Investors

Fast bridge loans for Canadians flipping US properties. Close in as little as 10-14 days with loan amounts based on the after-repair value (ARV), not just the purchase price. Finance up to 100% of renovation costs with funds held in escrow and released in draws as work is completed. When the property is stabilized, refinance into a long-term 30-year fixed DSCR loan — this is the BRRRR strategy that lets you recycle capital and scale your US portfolio. No US credit history, no W-2, and no tax returns required. Our foreign national bridge programs are built specifically for Canadian investors executing value-add strategies in US markets.

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Fix & Flip

Fast Capital for US Renovation Projects

Distressed US properties offer some of the best returns in real estate — if you have the financing to move fast. Our bridge loans close in days, not months, and include renovation funding so you can execute your business plan.

10-14
Day Closings
80%
Of After-Repair Value
100%
Rehab Financing
6-18mo
Loan Terms

Fast 10-14 Day Closings

Hard money underwriting focuses on the deal, not your documentation. Close fast enough to win competitive offers on distressed properties where speed is the deciding factor. While conventional lenders take 30-45 days, our bridge programs get you funded in under two weeks — giving you a serious edge in competitive markets like Florida and Texas.

Renovation Funds Included

Finance up to 100% of renovation costs on top of your acquisition loan. Funds are held in escrow and released in draws as work is completed and verified by a third-party inspector. This draw process protects both you and the lender while ensuring your contractor has steady cash flow to keep the project on schedule.

Based on After-Repair Value

Loan amounts are calculated on the property's value AFTER renovation (ARV), not the discounted purchase price. Typical programs offer up to 70-80% of ARV, which means you can finance significantly more of the deal. For a property purchased at $150,000 with an ARV of $250,000, you could access up to $200,000 in total financing.

BRRRR Exit Strategy

We structure bridge loans knowing the exit is a DSCR refinance. Once you stabilize the property and place a tenant generating rental income, refinance into a 30-year fixed rate DSCR loan. The refinance is based on the new appraised value, often returning most or all of your initial cash investment so you can repeat the cycle with your next property.

Foreign National Programs

No US credit history, Social Security Number, or domestic income required. Hard money lenders focus on the deal quality — the property's ARV, the renovation scope, and your exit strategy. Canadian investors are evaluated on the strength of the project, not their personal US financial profile. Some lenders also consider your renovation experience and track record.

Interest-Only Payments

During the renovation period, you make interest-only payments at rates typically between 9-12% annually. This keeps your monthly holding costs low — often $1,500-$3,000 per month depending on loan size — while you focus on completing the renovation. No principal payments are due until the loan matures or you refinance into permanent financing.

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Requirements

Fix & Flip Loan Requirements for Canadians

Hard money bridge loans have deal-focused requirements rather than borrower-focused ones. Here is what Canadian investors need to secure fix and flip financing in the US.

Requirements

  • Valid Canadian passport for foreign national identification and lender verification during the application process.
  • Minimum 10-30% of the purchase price as a down payment, wired from your Canadian bank account in USD.
  • Detailed renovation scope of work (SOW) with itemized costs, contractor bids, and a realistic project timeline.
  • After-repair value (ARV) appraisal confirming the property's post-renovation value supports the requested loan amount at 70-80% LTV.
  • Exit strategy documentation — either a plan to sell the property upon completion or refinance into a long-term DSCR loan.
  • US LLC formation recommended for liability protection, especially given the higher legal exposure of renovation projects.
  • Proof of liquidity showing sufficient reserves to cover interest payments and unexpected renovation costs during the project.

How We Help

  • We connect you with hard money lenders who specialize in foreign national bridge programs with no US credit requirement.
  • Our team reviews your scope of work and ARV projections before submission to ensure the deal meets lender guidelines.
  • Our cross-border legal partners form your US LLC and set up entity banking so you can close in the LLC name.
  • We structure bridge loans with a clear DSCR refinance exit, so the permanent financing is pre-planned from day one.
  • We help you evaluate renovation budgets using local market data, ensuring your ARV assumptions are realistic and defensible.
  • Our lender network includes programs with extensions up to 24 months for larger renovation projects.
  • Post-renovation, we handle the seamless transition from bridge loan to permanent DSCR financing so your capital keeps working.
FAQ

Questions About Fix & Flip Financing

Everything Canadian investors need to know about US bridge loans and fix & flip financing.

Getting Started

Yes. Hard money and bridge lenders offer programs for foreign national investors. These loans are asset-based — they focus on the property's value (current and after-repair) rather than your personal income or US credit. Canadians can access 70-80% of the purchase price plus 100% of renovation costs.
Hard money bridge loans can close in as little as 10-14 days. This speed gives you a competitive advantage when making offers on distressed properties. The streamlined underwriting focuses on the deal — property value, renovation scope, and exit strategy — rather than extensive borrower documentation.

Strategy & Terms

BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat. You buy a distressed property with a bridge loan, renovate it, place a tenant, then refinance into a long-term DSCR loan based on the new appraised value and rental income. The refinance often returns most or all of your initial investment, allowing you to repeat the process. We structure the bridge loan knowing the DSCR refinance is the exit.
Bridge loans typically run 6-18 months at 9-12% interest with 1-2 points in origination fees. Loan-to-value is 70-80% of after-repair value. Renovation funds are held in escrow and released as work is completed. Interest is typically interest-only during the loan term. Despite the higher cost, the speed and flexibility make these loans profitable for experienced flippers.

Process & Logistics

After closing, renovation funds are held in a separate escrow account managed by the lender. As you complete phases of the renovation, you request a draw and the lender sends a third-party inspector to verify the work. Once approved, funds are released — typically within 3-5 business days. Most lenders allow 4-6 draws throughout the project. This protects your investment by ensuring funds align with actual progress.
While not always required for bridge loans, an LLC is strongly recommended for liability protection — especially for renovation projects where contractor injuries, permit disputes, or construction defects could create legal exposure. Most Canadian flippers form a single-member LLC in the state where they are buying. LLC formation costs $500-$1,500 and takes 1-2 weeks through our cross-border legal partners.
Most bridge lenders offer extension options of 3-6 months for an additional fee (typically 0.5-1 point). If you need more time, we can help you refinance into a new bridge loan or, if the property is rent-ready, transition into a DSCR loan as a long-term hold. The key is communicating early with the lender — surprises are the biggest risk in fix and flip financing, so we keep lenders informed throughout the project.

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