FIX AND FLIP LOANS

Real estate investors across Colorado are seeing incredible returns on fix and flip projects. To capitalize on these opportunities, you need quick and flexible financing. I specialize in connecting investors with fix and flip loan programs that make it easy to buy, renovate, and sell properties fast. Let me help you find the right financing for your next project.

Program Highlights

Fix and flip loans are short-term financing solutions designed specifically for real estate investors who purchase properties, renovate them, and sell them for a profit. These loans provide the capital you need to act fast in competitive markets.

Purchase financing up to 90% of the purchase cost
Construction financing up to 100% of renovation costs, depending on experience
Total loan amount up to 90% of total project cost
Maximum after-repair value (ARV) LTV of 70%
12-month loan term with Interest Only payments
Credit scores as low as 660
Any level of investor experience accepted
Fast decisions and term sheets issued in hours, not days

Eligible Property Types

Single Family Residences
Multi-Family properties (up to 4 units)
Non-owner occupied investment properties

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The Fix and Flip Loan Process

I work to make the fix and flip financing process as streamlined as possible so you can focus on your investment.

1. Application

A simplified application process that is significantly shorter than the standard Uniform Residential Loan Application, getting you started quickly.

2. Term Sheet

Investors receive a term sheet quickly without needing a loan estimate or the typical disclosures required under the TILA-RESPA Integrated Disclosure rule.

3. Documentation

After reviewing the term sheet, you return the signed document along with any required documentation to move forward with your project.

4. Underwriting

Your application is forwarded to underwriting, where a conditional loan approval is prepared based on the provided documents.

5. Clear to Close

Once all conditions are satisfied, we coordinate to obtain a clear to close, signaling that your loan is approved and ready for funding.

6. Funding

Your loan is funded and construction draws are reimbursed based on third-party inspections of work completed throughout the renovation.

The Draw Process

Fix and flip loans use a draw process to ensure renovation funds are disbursed efficiently as work is completed.

Staged Disbursements

The construction loan is dispersed in stages, correlating with significant milestones in the renovation process to ensure funds are used efficiently and for their intended purpose.

Draw Requests

When a stage of construction is completed, you submit a draw request including documentation of the work completed, such as inspections and paid invoices.

Review and Approval

Each draw request is reviewed, verifying the completion of work through required documentation, including title rundowns and additional inspections to ensure the project progresses as planned.

Reimbursement

Upon approval of the draw request, you are reimbursed for the completed work, keeping your project moving forward without unnecessary delays.

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