Fix & Flip Loans
Fast capital to buy it, fix it, and move on to the next one.
A Fix & Flip loan is short-term, interest-only financing for purchase plus rehab. It's built around the deal itself — what you're paying, what you're fixing, and what it'll be worth when you're done — so you can move quickly on distressed and off-market properties. Renovation funds are typically released in draws as the work gets completed.
Who it's for
- Investors buying properties to renovate and resell
- BRRRR investors who need to rehab before refinancing
- Buyers competing for time-sensitive or off-market deals
- Newer investors with a solid deal and a realistic plan
- Experienced operators running multiple projects at once
What you'll typically need
- Signed purchase contract (or deed, for properties you own)
- Scope of work with a line-item rehab budget
- Comparable sales supporting the after-repair value
- Your track record, if you have one — first deals are welcome
- Entity documents if closing in an LLC or corporation
- Proof of funds for down payment, closing, and carrying costs
- Property insurance (builder's risk where applicable)
Every deal is different — we'll tell you exactly what yours needs.
What to expect
- Typical use
- Purchase and renovation of properties that need work, or rehab of a property you already own.
- Term style
- Short-term and interest-only, repaid in full when you sell or refinance.
- Rehab funds
- Released in draws as work is completed and verified.
- What's evaluated
- Purchase price, scope of work and budget, after-repair value, your experience, and your exit plan.
Call for current terms. Terms depend on the property, the deal, and the market — we'll give you real numbers for your scenario.
(859) 750-9333Fix & Flip Loans FAQ
How fast can a Fix & Flip loan close?
These loans are built for speed. Timing depends on the property, appraisal, and how quickly documents come in — call us with your deadline and we'll tell you honestly what's realistic.
How do rehab draws work?
You complete a portion of the work, request a draw, and after the work is verified the funds for that portion are released. It keeps the project on budget and on schedule.
Can first-time investors qualify?
Often, yes. A strong deal, a realistic budget, and a clear exit plan go a long way. Experience can affect terms, so let's talk through your situation.
What happens at the end of the loan term?
The loan is repaid when you sell the property or refinance it — often into a long-term DSCR loan if you decide to keep it as a rental.
Ready to talk about your Fix & Flip deal?
Talk to Janson Wade directly. No call centers, no runaround — just a real conversation about your deal and current terms.