What Is A Fix & Hold Loan?
A Fix & Hold loan is a short-term, asset-based financing solution designed for real estate investors who purchase a property, complete renovations, and then hold the property as a long-term rental.
Fix & Hold loans are commonly structured as bridge or hard money loans and are often paired with a future refinance into a DSCR or rental loan once the property is stabilized.
How Fix & Hold Loans Work At Chavez Capital
Chavez Capital structures Fix & Hold loans with a clear focus on the investor’s long-term strategy. These loans provide short-term capital for acquisition and renovation, while planning for an eventual refinance into long-term rental financing.
Our team evaluates the deal holistically — including the renovation scope, rental potential, and exit strategy — to help investors transition efficiently from rehab to hold.
Fix & Hold Loan Highlights
- Short-term financing for purchase and renovation
- Designed for long-term rental strategies
- Asset-based underwriting
- Clear refinance exit into DSCR or rental loans
- Interest-only payment options (program dependent)
- Flexible structures based on deal strength
- Available nationwide (not available in UT, MN, VT, or SD)
Common Fix & Hold Scenarios
- Purchasing a distressed property to renovate and rent
- Converting a fix & flip strategy into a rental hold
- Repositioning a property prior to long-term DSCR financing
- Investors building long-term rental portfolios
Fix & Hold Vs Fix & Flip
Chavez Capital structures Fix & Hold loans with a clear focus on the investor’s long-term strategy. These loans provide short-term capital for acquisition and renovation, while planning for an eventual refinance into long-term rental financing.
Our team evaluates the deal holistically — including the renovation scope, rental potential, and exit strategy — to help investors transition efficiently from rehab to hold.
Fix & Hold Loan Process
1. Apply
Submit basic property and investment details to receive initial terms.
2. Confirm Terms & Submit Documents
Upload required documents after reviewing terms.
3. Underwriting
Our team reviews the deal, renovation scope, and exit strategy.
4. Approval
Receive loan approval and updated term sheet.
5. Closing & Funding
Funds are disbursed for acquisition and renovation.
Fix & Hold Loan Faqs
Yes. Fix & Hold loans typically include renovation funding as part of the short-term loan structure.
Fix & Hold loans are short-term by design usually 12 months. Loan terms vary based on the project timeline and exit strategy.
The most common exit is refinancing into a long-term DSCR or rental loan once renovations are complete and the property is stabilized.
No. Rental income is typically not required at the initial closing but is evaluated as part of the long-term strategy.
Yes. Fix & Hold loans are available in 46 states. Financing is not available in UT, MN, VT, or SD.
Ready to Renovate and Hold Your Next Investment?
Apply today to see if your Fix & Hold project qualifies for financing.