Fix-and-Flip Loans

Fix-and-Flip Loans

Fix-and-Flip loans represent a pivotal opportunity for investors looking to maximize their returns by renovating and selling properties. These loans cater specifically to the needs of investors who aim to purchase, renovate, and quickly sell a property for profit.

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What are Fix-and-Flip Loans?

Fix-and-flip loans are short-term financing options designed to fund both the purchase and rehabilitation of a property. Real estate investors who intend to improve a property and sell it for a quick profit—typically within a year or so—usually employ these loans.

Key Features of Fix-and-Flip Loans

Short-term financing: Generally ranging from 6 to 18 months.

Quick funding: Investors can access funds rapidly to seize investment opportunities.

Loan amount based on ARV: Loan amounts are often based on the Property's After-Repair Value (ARV), not just the current appraisal.

Benefits of Fix-and-Flip Loans

  1. Leverage Growth: By using borrowed capital, investors can purchase and renovate properties they might not otherwise afford, maximizing potential returns.
  2. Speed: These loans are structured for quick approval and funding, allowing investors to act swiftly in competitive markets.
  3. Increase in Property Value: Renovations can significantly increase property value, making flips more profitable.
  4. Flexibility: Loan terms are often flexible and designed to accommodate the fast-paced nature of flipping.
  5. Profit Potential: With strategic improvements, investors can sell the property at a much higher price post-renovation, capitalizing on the investment quickly.

Fix-and-flip loans offer a dynamic resource for real estate investors who aim to renovate and sell properties quickly. By understanding and utilizing these loans, investors can significantly enhance their real estate endeavors and achieve rapid returns on investment. Whether you want to make your first flip or expand your portfolio, Fix-and-Flip loans can provide the financial flexibility and speed required to succeed in the competitive real estate market.

Qualification Criteria

See if you project fits (Fix & Flip)

Credit Score

640 minimum Fico, no derogatory credit in the past 2 years

Loan Term

12-24 months

Maximum Loan to Value

Up to 90% Loan to cost, 75% of after repaired value of completed rehab

Loan Amount

$100,000 to $10,000,000 million

Liquidity Requirements

Closing costs, down payment, 1-3 months of reserves

Property Value

As is value of minimum $125,000

Property Type

Single family, 2-4 unit, condo, townhouse, multi family to 100 units

Prepay Penalty

None

Location

No rural located properties, MSA population greater than 50,000

American Financial Lending Inc.

We bring a customized, unique approach to mortgages. Our lending solutions use the perfect hybrid of human-driven insights and technical prowess to process loans faster and significantly reduce costs.

PHONE

805-419-9097

E-MAIL

info@afloans.mortgage

ADDRESS

2625 Townsgate Rd. Suite 330, Westlake Village, CA 91361

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