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Fix and Flip Financing:
Speed and Leverage for Success

Discover flexible Fix and Flip financing to buy and renovate investment properties.
Our easy, fast lending process speaks for itself.

Transform distressed properties into profitable assets with Express Capital Financing's Fix and Flip loan program. Whether you're looking to buy a fixer-upper, renovate a duplex, or transform a warehouse into a multi-family property, we have the resources to help you get started. With a streamlined application process and efficient underwriting, our Fix and Flip loan program ensures swift access to capital—exactly when you need it.


Our Unique Fix and Flip
Loan Offerings

Our Fix and Flip Loan Terms

We offer transparent and customized Fix and Flip loan terms that can be tailored to fit your needs, so whether you're looking for quick turnaround or longer-term investment opportunities, we've got you covered.

Rate and Terms Overview

nt_header_0Fix & Flip Loans
Project Type1-4 Unit Residences, Condominiums, Townhomes
Loan Amount$75,000 - $5,000,000
Loan To Value (LTV)Up to 90%
Rent Coverage RatioNot Applicable
Loan Term12-36 Months
Interest RateStarting at 9.99%+
Rehab Financing100%
Proceed UsagePurchase, Refinance, Renovation, Bridge, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score620 (Lower is case-by-case)
Pre-Payment PenaltyNone

Seamless Fix and Flip Financing Starts Here

For investors seeking ease, simplicity, and transparency in their Fix and Flip loans, our application process is your gateway to streamlined funding. From the initial consultation to the final funding stage, we've tailored every step to be straightforward – so you can experience uncomplicated success on your house-flipping journey.

Discuss Your Deal and Goals

Connect with your dedicated loan officer to discuss your unique project and financial objectives.

Get A Customized Quote

We’ll prepare a personalized loan quote, crafted specifically for your project, so it aligns perfectly with your goals.

Document Collection and Review

Our streamlined process involves collecting and reviewing the necessary documentation, making the paperwork hassle-free for you.

You’ve Secured Funding

Congratulations! It’s time to get excited about your project becoming a reality with Express Capital Financing.

Why Choose Express Capital Financing For Your Next
Fix & Flip Project?

Express Capital Financing offers unmatched flexibility with our Fix and Flip loan terms and approval criteria. We're willing to collaborate with borrowers who have less-than-perfect credit scores, unique property types, or unconventional financial situations. Each Fix and Flip loan is assessed individually, resulting in personalized loan structures to meet your specific needs.

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

Apply Now

Apply Now(SA)

Try Our Fix & Flip Calculator

Empower your decision-making and maximize your returns with our Fix and Flip Calculator, your key to informed real estate investing. This intuitive tool helps you gauge financing needs and potential returns with accuracy.

Seamless Fix and Flip Financing Starts Here

While cash is a timeless option, we recognize the need for flexibility. Our hard money loans offer accessibility and a faster closing process, ensuring you're well-equipped in a competitive market. As a private lender, we prioritize your track record and project viability over a high credit score. Partner with us for a collaborative and quick financing experience, gaining a strategic advantage in the dynamic world of house flipping.

Choosing between fix and flip and buy and hold strategies in real estate investment depends on your goals. Fix and flip involves buying, renovating, and quickly selling for a fast return on investment, ideal for those wanting quick profits. In contrast, buy and hold entails acquiring properties for long-term leasing, offering steady income over time. It requires a more significant initial investment but promises consistent returns through rentals, making it suitable for those looking to build wealth steadily. Each strategy has its advantages and considerations, so the choice depends on your financial capacity and investment objectives.

Investing in fix and flip properties can be a great way to make money, but it's important to do your research before you start looking for opportunities. You'll want to know what the local market is like, how much you can expect to pay for the property in its current state (and how much it might be worth once it's renovated), which potential buyers might be interested in buying the property, how much financing you'll need and from where, how much labor will be involved in renovating the home, and more!

To help with all of these questions and more, we've put together this handy guide on evaluating fix and flip properties.

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