Fix & Flip Loans
Purchase plus rehab in one loan, with draws released as your renovation milestones are met. Close fast, fund your contractors, and list with confidence.
85%
Max LTV
90%
Max LTC
$75K – $3M
Loan Amount
6–18 mo
Term
One loan for purchase and rehab
Stop tying up cash across two loans. Capital 26 funds the acquisition and the renovation together, releasing rehab draws as your work is verified.
Purchase + rehab in one
A single closing covers acquisition and renovation, so your cash stays available for the next deal.
Milestone-based draws
Rehab funds release in stages as inspections clear — keeping your contractors on schedule and your budget honest.
Speed to close
Direct in-house underwriting means we can close in as little as 7 days when the file is complete.
Interest reserves available
We can structure interest reserves into the loan so you're not paying out of pocket during the renovation.
Who it's for
Active flippers
Investors purchasing distressed 1-4 unit properties to renovate and resell for profit.
BRRRR investors
Buy, rehab, rent — then refinance into a long-term DSCR loan once the property is stabilized.
First-time flippers
New investors with a solid deal who need a lender that closes fast and walks them through draws.
Eligibility checklist
- 1-4 unit residential, non-owner-occupied investment properties
- Purchase or refinance for renovation
- Verified after-repair value (ARV)
- Detailed rehab scope and budget
- Borrower experience or a qualified contractor plan
From application to funding
A clear, five-step path. We move at your pace — and as fast as 7 days when the deal is ready.
- 01
Apply
Submit a short pre-qualification form. No upfront fees, no hard credit pull — tell us about your deal.
- 02
Get a Term Sheet
Receive a clear term sheet with rates, LTV, and terms — usually within 24 hours of review.
- 03
Underwriting
Our in-house underwriting team reviews the property and your project. Decisions are made directly — no middleman.
- 04
Close
Sign and close on your timeline. We coordinate with title so closing happens as fast as 7 days.
- 05
Fund
Funds are wired and, for rehab builds, draws release as your milestones are verified. You get to work.
Estimate your loan
Get a ballpark for your deal before you apply. Your term sheet is the real quote.
Loan Estimator
Ballpark numbers — your term sheet is the real quote.
Estimates only, not a commitment to lend. Final terms depend on property review and underwriting.
Fix & Flip Loans FAQ
A short-term loan that funds both the purchase of a distressed investment property and the cost to renovate it. The investor renovates, then sells (or refinances) to pay the loan back — typically within 6 to 18 months.
Up to 85% LTV (loan-to-value against ARV) and up to 90% LTC (loan-to-cost). Exact numbers depend on the deal, your experience, and the property.
Rehab funds are released in stages as work is completed and inspected. You request a draw, we verify the milestone, and funds are wired — keeping your contractor paid and your project moving.
In many cases yes — interest reserves and certain closing costs can be financed into the loan, subject to LTV/LTC limits and underwriting.
Experience helps you get the best terms, but first-time flippers can qualify with a credible contractor plan and a deal that makes sense. Talk to us about your project.
Apply for Fix & Flip Loans
No upfront fees, no hard credit pull. Get a clear term sheet from a direct lender — usually within 24 hours.