Fix & Flip Loans Explained for Real Estate Investors

Fix and flip loans are a popular financing option for real estate investors who purchase properties, renovate them, and resell for profit. These loans are designed for speed and flexibility, allowing investors to move quickly on opportunities without relying on traditional bank financing. At Chavez Capital, fix and flip loans are structured to support real-world investment timelines and renovation strategies.

What Is a Fix & Flip Loan?

A fix and flip loan is a short-term, asset-based loan used to finance the purchase and renovation of an investment property. These loans are commonly referred to as hard money loans and are secured by the property itself. Rather than focusing heavily on borrower income, lenders evaluate:

• Property value
• Renovation scope
• Exit strategy
• Deal structure

What Do Fix & Flip Loans Cover?

Fix and flip loans typically fund:

• Property acquisition
• Renovation or rehab costs (via draw schedule)

Funds for renovations are released as work is completed and verified.

Who Are Fix & Flip Loans Best For?

Fix & flip loans are ideal for:

• Investors purchasing distressed properties

• Short-term renovation projects

• Competitive markets requiring fast closings

• Investors planning to sell after rehab

Fix & Flip Loan Timeline

Timelines vary by deal, but many fix & flip loans close in:

• 7–14 days, depending on documentation and readiness

Key Takeaway

Fix & flip loans provide fast, flexible capital for investors executing short-term renovation strategies. They are best suited for projects with a clear plan, budget, and exit strategy.

👉 Learn more on our Fix & Flip Loans page or apply to see if your deal qualifies.

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