Embedded Files
Fix & Flip Financing That Works on Your Timeline
Ready to turn a value-add property into your next winning investment? Our Fix & Flip loan program is built with experienced real estate investors in mind—offering speed, flexibility, and the backing of a top-tier direct lending partner.
We provide funding for a wide range of residential investment properties, including single-family homes, condos, townhomes, and 2–4 unit properties.
Whether you're purchasing, rehabbing, or refinancing, our streamlined process helps you move fast and stay focused on the project.
Program Highlights:
Up to 100% of Renovation Costs Covered
12-Month Interest-Only Terms – Pay interest only on what you borrow
No Interest on Unused Rehab Funds
Close in as Few as 10 Business Days
No Prepayment Penalty – Exit early without a fee
Frequently Asked Questions – Fix & Flip Loans
What documentation is required to apply?
At Vision Capital Solutions, we help simplify the loan process by guiding you through all required documentation. Typically, we’ll need:
A Complete Application
Authorization to pull credit and run a background check
Recent bank statements (as proof of funds)
Property appraisal or valuation
Renovation budget/contractor estimates
Entity formation documents (LLC or Corp)
Lease agreements, if applicable
We’ll help gather and organize everything needed for a smooth underwriting process.
What type of properties can be used as collateral?
What type of properties can be used as collateral?
We accept a variety of investment property types as collateral, including:
Non-owner-occupied 1–4 unit properties
Multifamily buildings (5+ units)
Condos and townhomes
Mixed-use properties (on a case-by-case basis)
The property must be investment-focused, not owner-occupied.
What is your maximum LTV (Loan-to-Value) based on ARV (After Repaired Value)?
Our Fix and Flips can go up to:
85% of the purchase price, and
75% of the property's projected After Repair Value (ARV)
It’s a powerful way to scale your portfolio with less cash out of pocket.
How does a fix & flip loan differ from a traditional mortgage?
Fix & flip loans are short-term, interest-only loans (typically 6–24 months), designed for speed and flexibility. Key differences:
Faster closings
No long-term amortization
Separate rehab funds available
Flexible credit and income underwriting compared to traditional banks
They’re tailor-made for investment properties, not primary residences.
Which documents should I prepare before applying?
To strengthen your application and move quickly through underwriting, it helps to have:
A solid investment plan
Estimated renovation budget
Projected ARV with comps or support
Entity and personal financials
The more prepared you are, the smoother and faster your loan process will be.
Why do hard money lenders require a down payment?
These loans are funded by private capital—so naturally, lenders want to manage their risk. A down payment helps show borrower commitment and reduces the exposure if a project doesn’t go as planned.
Every lender has different guidelines, but most want to see that the investor has some skin in the game.
How do I calculate the return on a fix and flip investment?
It’s all about the numbers. Consider these key cost categories:
Acquisition costs
Renovation expenses
Loan interest and fees
Utilities, taxes, insurance, and operating costs
Your estimated net profit = ARV – (All Costs).
A detailed budget and realistic ARV projection go a long way in helping you (and your lender) evaluate the deal.
Page updated
Google Sites
Report abuse