Fix and Flip Lenders: One Application, Our Entire Network
Stop applying to fix and flip lenders one at a time. Submit once and we match your deal to the right capital source from our network, based on deal type, geography, borrower profile and loan size.
Loan Parameters
Fix and flip at a glance
Programs vary by capital source. Final terms disclosed at offer.
What fix and flip lenders look at
After-Repair Value (ARV)
The projected market value of the property once renovation is complete. Capital sources in our network cap total loan exposure at 70% to 75% of ARV. A well-supported ARV backed by comparable sales is the single most important number in any fix and flip file.
Loan-to-Cost (LTC)
LTC measures the loan amount against your total project cost. Purchase price plus renovation budget is the denominator. Most fix and flip lenders fund up to 90% of purchase and 100% of approved renovation costs for experienced borrowers with a strong track record.
Borrower Experience
The number of completed fix and flip projects matters. First-time investors can qualify but typically see lower LTC limits and slightly higher rates. Investors with three or more completed flips access better pricing and higher loan amounts across the board.
Exit Strategy
Every fix and flip lender wants a clear exit before funding the deal. The two accepted exits are a sale at a profit or a refinance into a DSCR or conventional loan. An investor who can document a realistic timeline and a comparable-supported sale price closes faster and prices better.
Types of fix and flip lenders in our network
Not every capital source is the right fit for every deal. We match your file to the right lender type based on your project, timeline and experience level.
Private Bridge Lenders
Speed-focused capital sources that make decisions based on the asset, not the borrower tax return. These lenders fund in 7 to 14 days and accept distressed and non-warrantable properties. Best for investors who need to move fast on auction buys and off-market deals.
Portfolio Lenders
Capital sources that hold loans in their own portfolio rather than selling them. Portfolio lenders reward repeat borrowers with better rates and higher LTC on each subsequent deal. Investors doing three or more flips per year often establish a dedicated relationship with a portfolio lender through our network.
Construction Draw Lenders
Specialists in heavy rehab and gut renovations. These lenders fund 100% of approved renovation costs in staged draws tied to inspected milestones. The right fit for full gut rehabs where the renovation budget equals or exceeds the purchase price.
How lender matching works
Submit the property address, your target purchase price, the estimated renovation budget and your projected after-repair value. Takes about five minutes and requires no credit pull.
We review the deal, calculate the ARV and LTC, then match the file to capital sources in our network that fit the project type, geography, borrower profile and loan size. You receive a term sheet within 24 to 48 hours.
Accept the term sheet and move into underwriting. We coordinate the appraisal or broker price opinion, manage lender communication and clear conditions on your behalf.
Close in 7 to 14 business days. Funds are wired to escrow for the purchase. Renovation draws are released in stages as each phase of work is completed and inspected.
Sell the property and repay the loan. Experienced investors who close two or more deals often transition to a portfolio line of credit for faster funding on future projects.
The advantage of working through Buckle Up Capital is that one submission goes to multiple capital sources simultaneously. You receive the most competitive offer from the lenders who want your deal, not the first offer from the only lender you contacted. For more detail on how fix and flip financing is structured, see our fix and flip loans page.
How to qualify
Fix and flip lenders are asset-based. Your personal income and tax returns are not the primary qualification factor. The deal carries more weight than your employment status. That said, there are clear baseline requirements every investor needs to meet across our network.
The most important is the credit score floor. A 620 is the minimum for most programs. Your experience level matters too: first-time investors are welcome, but investors with a documented track record access higher loan-to-cost programs, better rates and more flexible terms. Bring a list of completed flips with close dates and profit margins and you will price better every time. Use our ARV calculator to support your after-repair value before submitting.
Credit Score
620 minimum. Rates improve significantly above 680 and 720.
Down Payment
10% to 20% of purchase price depending on experience and credit.
Experience
First flip accepted. More flips closed means better terms and lower rates.
Property Condition
Distressed, vacant and non-livable properties are acceptable.
Exit Strategy
Sell at a profit or refinance into DSCR or a conventional loan.
Appraisal or BPO
After-repair value must be supported by a third-party opinion.
Reserves
3 to 6 months of payments is preferred but not always required.
Entity
LLC or corporation strongly preferred by most capital sources.
Tools to underwrite your deal
Before you submit a deal to our network, run the numbers. Fix and flip lenders reject deals that do not pencil. A realistic ARV and a conservative renovation budget are the two levers that determine whether your file gets funded at a good rate or declined outright.
Our hard money loan calculator lets you model the purchase price, renovation budget, ARV and loan parameters to see your projected loan amount, monthly interest cost and profit margin at sale. Our ARV calculator helps you build a comparable sales case before submitting. Investors who model the deal before applying move faster and win more. For a full breakdown of hard money products, visit our hard money lending page.
Fix and flip lender questions
All loans facilitated by Buckle Up Capital are for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Loans are placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Ready to find the right lender for your deal?
Submit once and we run your deal through our network of fix and flip capital sources. No credit pull. No commitment. Term sheet in 24 to 48 hours.