Fix & Flip Loans

A short term property acquisition loan with a construction budget so investors can transform distressed or outdated properties into profitable assets for resale or rental.

What is a Renovation Loan?

Unlike construction loans or DSCR loans, a renovation loan, also called a “fix & flip” loan, is a short term first lien mortgage loan with a construction budget so investors can renovate properties for resale or rental. The property can be single family, multi-family or mixed-use. These loans cover a wide spectrum of potential real estate projects, from suburban single family homes needing largely cosmetic work to burnt-out townhouse shells in large cities requiring structural work. Our experienced team is familiar with the full range of renovation projects and can help our customers with financing and construction advice as well as local area insights in many markets.

Key benefits of Renovation Loans for Fix and Flip projects:

Increased Profit Potential

By breathing new life into distressed properties, investors can unlock substantial profit potential. Successfully executed fix and flip projects can yield significant returns on investment (ROI). A RenoMoney loan can help you increase your ROI by decreasing your out-of-pocket cash and potentially freeing up cash for additional projects. We want to be a true partner and advisor who can help you scale your business.

Quick Closings

RenoMoney’s highly experienced, senior level team is hands-on in ensuring your loan closes on time. The people doing the work are also the decision-makers so the loans keep moving with none of the bureaucratic delays common with “institutionalized” lenders in the hard money space. We are not a bank and don’t aspire to be one.

Expert Guidance

RenoMoney prides itself on being a small company that provides senior level attention to every deal that comes in the door. Your loan won’t get lost in the shuffle because your loan is important to us no matter how big or small it is.

Custom Solutions

Our seasoned team understands the unique attributes of your deal and structures financing that makes sense for your property. Our best-in-class credit risk experience enables us to close deals even if they don’t always “fit the box”. We also quickly tell you if we can’t do the deal so we don’t waste your time.

Simple Process

RenoMoney’s team does our best to simplify the process for the borrower. We generally don’t require tax returns, proof of income, or seasoned funds. We minimize the number of forms that need to be completed. We don’t ask for the same document twice, but we will tell you if there is an issue with a submission and how it can be corrected. We provide clear instructions and are always available to help if you have questions or need support. We are a patient and reliable partner.

If you’re ready to embark on a journey of property transformation and financial growth, explore the potential of renovation loans today. Partner with us to access the capital and expertise you need to turn rundown properties into valuable assets in your real estate portfolio. Your fix and flip success story begins with the right financing solution.

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Renovation Loan Programs

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Up to 90% LTC and 75% LTARV

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Rates as low as 9%

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Points as low as 1%

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Interest escrow can be built into the loan so you can focus on renovation

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Close in as little as 10 business days

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