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.

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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.

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.

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.

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.

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.

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 while you focus on the renovation.

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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.
Minimum 10-30% of the purchase price as a down payment in USD.
Detailed renovation scope of work (SOW) with itemized costs.
After-repair value (ARV) appraisal confirming post-renovation value.
Exit strategy documentation — save for sale or refinance.
US LLC formation recommended for liability protection.
Proof of liquidity showing sufficient reserves for interest and costs.

How We Help

We connect you with hard money lenders specialized in foreign national programs.
Our team reviews your scope of work and ARV projections before submission.
Our partners form your US LLC and set up entity banking remotely.
We structure bridge loans with a clear DSCR refinance exit pre-planned.
We help evaluate renovation budgets using local market data.
Our network includes programs with extensions up to 24 months.
Post-closing, we handle the seamless transition to permanent DSCR financing.

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 rather than your personal income or US credit.

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.

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 value.

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.

Process & Logistics

Funds are held in escrow. As you complete phases, you request a draw and the lender sends an inspector to verify the work before releasing the funds.

While not always required, an LLC is strongly recommended for liability protection, especially for renovation projects where construction risks exist.

Most bridge lenders offer extension options of 3-6 months for an additional fee (typically 0.5-1 point).

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