Fix and Flip Loans for Real Estate Investors
Elevrion Capital offers Fix and Flip loans designed for real estate investors purchasing, renovating, and reselling properties. Our financing solutions provide fast approvals, flexible terms, and funding options that help investors maximize returns and complete projects efficiently.
Purchase with just 10% down—plus 100% financing for eligible rehab costs. (5% down with experience)
Loan Amount & Terms
Minimum Loan
$75,000
For qualifying properties
LTC %
95%
New Borrowers up to 90%
Loan Terms
6-24 Months
With extension options
Interest Rates
7.49% - 12.49%
Based on deal profile
Funding Timeline
Quick Application
Submit basic application with property details, purchase contract, and after-repair value estimate. Instant pre-qualification available.
Property Analysis
Our team evaluates the purchase price, rehab scope, ARV, and your experience. Decision within 24-48 hours in most cases.
Fast Underwriting
Expedited underwriting process with approval in 3-7 business days. Flexible terms designed for active flippers.
Rapid Closing
Close in as little as 5-10 business days. Funds available immediately to purchase property and start renovations.
What is a Fix & Flip Loan?
Fix & Flip loans are short-term financing solutions designed for real estate investors who purchase undervalued properties, renovate them, and sell them for profit. Instead of relying on traditional lending based on completed renovations or your personal income, Fix & Flip loans are based on the after-repair value (ARV) of the property.
Elevrion Capital specializes in fast-close Fix & Flip loans that get you funded quickly so you can lock in deals and start renovations immediately. With our investor-friendly terms, experienced team, and nationwide presence, we help you maximize your returns and close multiple deals per year.
Ideal Borrower Profile
Flipping Experience
- No Experience Needed
- First time flipper ok
- Experience? Down Payment as low as 5%
- Strong deal pipeline
Deal Sourcing
- Access to off-market deals
- Strong wholesaler relationships
- MLS and auction purchases
- Distressed property expertise
Contractor Network
- You can do the work yourself
- Reliable scope of work
- We Always fund 100% of your rehab budget
- Project management capability
Eligible Property Types
Single Family Homes
- Distressed properties
- Foreclosures and REOs
- Estate properties
- Below market value properties
Multi-Unit Properties
- 2-4 unit properties
- Small apartment buildings
- Duplex and triplex units
- 5+ Units Possible
Commercial & Mixed-Use
- Retail spaces
- Office buildings
- Mixed-use developments
- Commercial conversions
Common Use Cases
Distressed Property Acquisition
Purchase distressed properties at significant discounts. Our fast funding allows you to close quickly and lock in deals before others.
Major Renovation Project
Execute large-scale renovations with financing available for both purchase and rehab. Construction draws available as work progresses.
Portfolio Velocity
Complete multiple flips per year. Refinance or exit completed projects while securing financing for new deals simultaneously.
Bridge to Permanent
Use Fix & Flip financing as bridge financing while arranging permanent financing for a buy-and-hold or rental property strategy.
Equity Build & Exit
Maximize equity build through strategic renovations, then exit with refinance into long-term financing or sale at retail pricing.
Market Expansion
Expand into new markets nationwide. We provide financing for flips in strong growth markets across the country.
Fix and Flip Loan FAQ (2026)
A Fix & Flip loan is a short-term loan designed to help real estate investors purchase and renovate investment properties. These loans typically have terms of 6 to 24 months and are intended to be repaid when the property is sold or refinanced.
Most borrowers can finance a 90-95% of the purchase price and 100% the renovation costs. Loan amounts are based on the property’s current value, after-repair value (ARV), your experience, and the overall strength of the project.
No. First time flippers are welcome. While experienced investors may qualify for higher leverage or better terms, many first-time flippers qualify with a strong project, sufficient reserves, and a solid exit strategy.
any Fix & Flip loans close in as little as 7–14 business days once all required documentation has been received although 20-30 days is standard. There are options to close in under 7 days.
Eligible properties typically include:
- Single-family homes
- 2–4 unit properties
- Condominiums
- Townhomes
- Small multifamily properties (depending on the program)
Yes – Nearly all loans include 100% of the renovation budget.
Many programs are flexible. While stronger credit may improve available terms, approval is based on the overall strength of the transaction rather than credit score alone. A 640 typically is sufficient but 700+ gets the best rates and highest loan amounts.
Yes. In many cases, once your renovation is complete, we can help you refinance into a 30-year investment property loan, including a DSCR loan if it fits your situation.
If the property’s new appraised value has increased as expected, you may be able to refinance up to 80% of the property’s new value. This often allows borrowers to:
- Pay off the original Fix & Flip loan.
- Recover some or all of the money invested in the renovation.
- Receive cash back at closing if sufficient equity exists.
- Keep the property as a long-term rental with a fixed monthly payment.
Many real estate investors use this strategy to renovate a property, refinance based on the improved value, and then repeat the process with their next investment.
Have questions about your exit strategy? Elevrion Capital can help you structure both your Fix & Flip financing and your long-term refinance before you ever close on the purchase.