Fix and Flip Loans for Real Estate Investments

A Fix and Flip Loan is a type of short-term real estate financing designed for real estate investors who purchase properties in need of renovations, make improvements, and then sell them quickly for a profit.

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How Fix and Flip Loans Benefit You

QUICK FUNDING

Swift loan approval and disbursement to take advantage of market opportunities.

DEDICATED SUPPORT

Expert guidance from our experienced team throughout your project.

FLEXIBLE TERMS

Loan structures tailored to your project's specific needs and timeline.

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LOAN TERMS

Minimum Loan Amount: $75,000

Loan-to-After Repair Value (ARV): Up to 70%

Loan-to-Cost (LTC): Up to 90%

Construction Financing: Up to 100%

Interest Rate: 11–13%

Origination Fee: Starting at 2.0%

Loan Term: 6–12 months

Closing Time: As fast as 48 hours

Minimum FICO Score: 580

LOAN PROCESS OVERVIEW

APPLICATION
Submit your project details through our streamlined application process.

ASSESTMENT AND APPROVAL

We evaluate the property and your project plan to determine loan feasibility.

We collect your documents for processing, order the appraisal, and underwrite your loan for final approval.

CLOSING AND FUNDING

Upon approval, funds are promptly released, allowing you to move forward with the purchase and renovations (renovations does not apply to all loans).

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FIX AND FLIP LOANS FAQ

  • Our loans typically range from 6–12 months with up to 70% Loan-to-After Repair Value (ARV) and up to 90% Loan-to-Cost (LTC). We also offer up to 100% of construction financing, with rates starting at 11–13%.

  • Yes. A minimum FICO score of 580 is required to qualify. Higher credit scores may help secure better rates and terms.

  • Experience is helpful, but not always required. First-time investors may qualify depending on the project and other financial factors.

  • We can close as quickly as 48 hours once all required documents are received.

  • The minimum loan amount is $75,000.

  • Not always. If you have experience and plan to manage the rehab yourself, you may qualify. Larger or more complex projects may require a licensed contractor.

  • Yes. Extensions may be granted on a case-by-case basis, subject to approval and additional fees.

  • Fix and flip loan terms generally range from 6–12 months.

  • Loan value is based on a combination of the property’s purchase price, estimated repair costs, and its After Repair Value (ARV).

  • Yes. An appraisal or broker price opinion (BPO) is typically required to confirm property value before funding.

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 Ready to launch your next fix and flip project? At Sprint Lending, we provide fast, flexible financing designed to help investors succeed. From property acquisition to renovation, we’re here to fuel your investment goals and ensure a smooth funding process.

Contact Sprint Lending today to explore your options and see how we can support your real estate investment journey.

Fill out an application and get pre-approved for a loan!

*Initial application does not pull credit.
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