Fix & Flip Loans

Investment Properties Nationwide


We lend up to 90% or more of the purchase price + 100% of renovation costs, not to exceed 75% of the ARV (after repair value).

Fix & Flip Loans (Fix and Flip) provide the borrower with the capital needed to invest in real estate with the sole purpose of remodeling or rehabilitating a property for a profitable resale value.


Who Would Benefit from a Fix & Flip Loan?

Real estate flippers and investors can benefit from our loan products and experience.  Because we can fund loans in such a short amount of time, many of our clients can offer lower “all cash” offers with the comfort that we can finance the transaction seamlessly and close quickly.


How It Works

Fix & Flip Loans should be used as temporary financing as they are typically costlier than a conventional loan. Fix & Flip Loans are also more lenient than traditional loans, in that they generally require no income, asset or employment verification; credit score and history is of very little relevance; and they can be funded very quickly.


Program Highlights

We offer Fix and Flip loan amounts up to $5,000,000, which can be used for single-family residences or multi-family residences. Fix & Flip loans are designed to be a short-term solution. Loan terms are 12 months, with 6-month extensions available.


Our Commitment to You

  • Common Sense Underwriting with In-House Approvals
  • Quick Closing
  • Referrals Valued & Brokers Protected
  • Committed to the Highest Level of Customer Satisfaction



Fix & Flip Loan Matrix

Loan Term 12 Months 12, 18, and 24 months (Extensions Possible)
Loan Amount $50K – $3MM $50K – $3MM
Min. Property Value $50K $35K Per Door
Max Property Value $2M $5M
LTV Purchase: Up to 90% of the Purchase Price + 100% of Renovation Costs
Refinance: Up to 72.5% of the As-Is Value + 100% of Renovation Costs
Cash-Out: Up to 65% of the As-Is Value + 100% of Renovation Costs
Purchase: Up to 75% of the Purchase Price + 100% of Renovation Costs
Refinance: Up to 65% of the As-Is Value + 100% of Renovation Costs
Cash-Out: Up to 60% of the As-Is Value + 100% of Renovation Costs
Minimum FICO Score 600 600
Property Types Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes Non-Owner Occupied Multi-Family Real Estate; 5+ Unit Apartments; Mixed-Use Properties
Rehab Size and Costs Max $500K + up to 100% of Rehab Costs Max $500K + up to 100% of Rehab Costs
Pre-Payment Penalty N/A N/A
Termination Fee 1% After Month 9 1% After Month 9


Why Down Payment Assistance?

Many REI Pros are finding themselves caught in a new type of financial squeeze when it comes to the percentage of the purchase price that hard money and private lenders require that they bring to closing, i.e. “Skin-In-The-Game” (SITG) cash.


Until recently, it was possible to secure, say a 90% loan from such lenders, with the borrower required to contribute the other 10% as their SITG capital. And while those terms are still available in some cases, many REI Pros are waking up to a new reality: They need to bring closer to 20%-30% SITG cash to closing in terms of actual down payment money, with a general average of around 25% DP money currently required.


Upping the SITG percentage is a risk-reduction strategy employed by lenders in response to what they perceive as new uncertainties in the real estate investment marketplace, on a go-forward basis. The reality for REI Pros caught in this new “liquidity squeeze” is that they now may need to potentially come up with tens of thousands or even hundreds of thousands in new (SITG) investment capital above what was previously required. Without new SITG capital, the REIer cannot close on the deal. A potential solution to this new dilemma is what we refer to as “Down Payment Assistance (equity) funding”: This is where a third party, such as CTF, provides the needed extra SITG/DP cash in return for a modest (5%) share of the ARV. See below for info about DPA.


How the Down Payment Assistance Program Works

  • We provide Down Payment Assistance funding to experienced REI Pros, on a Joint Venture—JV–(equity) basis. The program is designed for REI Pros who need to close a real estate purchase, but lack all the cash they need for the down payment, closing costs, etc.
  • The REI Pro has a deal that meets CTF’s normal funding criteria, i.e. the REI Pro is purchasing the property for 70% or less of ARV; he has already lined up funding (i.e. a hard money/private loan) for the 70%. They need 25% down payment (skin-in-the-game) money, but only have 10% available, and need 15% Down Payment Assistance. That is where we might be of help by providing the missing 15%, in return for a modest 5% share of the eventual ARV.
  • We offer full account protection.


Call 844-574-5626 to request a packet or schedule a call with a loan officer.



Apply Now

To get started, please complete our application, call us at 844-574-5626 or schedule a call with a loan officer below.



Schedule a Call

To determine the right loan program with you, schedule some time with a loan officer to discuss your options. Call us at 844-574-5626 now or schedule a time to meet with a loan officer.