What Is a Fix & Flip Loan?
A fix and flip loan is a short-term, asset-based loan designed for real estate investors who purchase, renovate, and resell residential properties. These loans are commonly referred to as hard money or bridge loans and are secured by the value of the property.
Fix and flip loans often fund both the purchase and renovation costs, allowing investors to move quickly on opportunities without relying on traditional bank financing.
How Chavez Capital Helps Fund Fix & Flip Projects
Chavez Capital works with a network of private and institutional lenders that specialize in fix and flip financing. Our team helps structure the right loan based on the property, renovation budget, timeline, and exit strategy.
We focus on the deal fundamentals so investors can close efficiently and scale their portfolios.
Fix & Flip Loan Highlights
- Short-term financing for purchase and renovation
- Asset-based underwriting
- Flexible loan-to-value based on deal strength
- Funds available for renovations
- Interest-only payment options
- Fast approvals and closings
- Available nationwide (not available in UT, MN, VT, or SD)
Common Fix & Flip Scenarios
- Purchasing distressed residential properties
- Renovating single-family or small multifamily homes
- Competitive, cash-like closings
- Short-term bridge financing prior to resale or refinance
How the Fix & Flip Loan Process Works
1. Apply
Submit basic deal details to receive initial terms.
2. Confirm Terms & Submit Documents
Upload required documents after reviewing terms.
3. Underwriting
Our team completes a full review and prepares the loan for approval.
4. Approval
Receive final approval and updated term sheet.
5. Closing & Funding
Closing documents are prepared and funds are disbursed.
Fix & Flip Loan FAQs
Many fix and flip loans can close in as little as 7–14 days, depending on documentation, property condition, and readiness.
Yes, many fix and flip loans include rehab funding based on the approved scope of work.
Experience is helpful but not always required. Each deal is reviewed individually based on the property and strategy.
Yes, fix and flip loans are available in 46 states. Financing is not currently available in UT, MN, VT, or SD.