Fix and flip loans for Colorado and Florida investors.

Most fix-and-flip lenders fund up to 90% of purchase price plus 100% of rehab costs, capped at 70–75% of ARV (After Repair Value). On a typical deal, that means you'll bring 10–20% of total project cost (down payment + closing) and the lender funds the rest. Maximum loan amounts run from a few hundred thousand up to $3M+ for experienced operators.

ARV is the appraised value of the property after renovations are complete. It's the single biggest number on a fix-and-flip deal because it sets the lender's maximum exposure (typically 70–75% of ARV). A licensed appraiser produces a subject-to-completion appraisal using your scope of work and comparable sold renovations in the area.

7–14 days is typical once the appraisal is in. Because qualification is asset-based, there are no tax returns, no DTI calc, and no W-2 verification — the file is light. We've closed deals in under 10 days when the title work and appraisal move quickly.

Yes, but pricing and leverage will be tighter. First-time flippers usually see slightly higher rates, lower LTC (often 80% instead of 90%), and more conservative ARV caps. Bringing a strong scope of work, a licensed GC, and reserves helps. After 1–2 successful exits, you'll graduate into experienced-operator pricing.

Most fix-and-flip loans are 12 months with a 6-month extension option (usually 0.5–1 point to extend). If you're running long, communicate with the lender early — extensions are routine. If you're stabilized and renting, you can also refinance into a DSCR loan ahead of the maturity date.

Once the property is renovated, leased, and seasoned (typically 3–6 months on title), you refinance into a 30-year DSCR loan. The DSCR loan pays off the fix-and-flip balance and pulls cash out up to ~75% of the new appraised value — often returning your full down payment + rehab capital so you can roll it into the next deal. We pre-underwrite the DSCR exit before you close the flip so you know the numbers work.