Fix-and-Flip Loans in Columbus, OH
Turn distressed properties into profitable investments with fast funding for your renovation projects. Get the capital you need to flip houses successfully.
Unlock potential. Skip the stress.
Our fix-and-flip loans are designed specifically for real estate investors who want to transform distressed properties into profitable investments without the traditional lending barriers.
ARV-based qualification
Qualify based on the property's after-repair value and renovation potential, not just your personal income.
Fast approval process
Get approved in 5-14 days with streamlined underwriting designed for experienced flippers.
High loan amounts
Access up to $2 million or more for your fix-and-flip projects with competitive rates and terms.
Renovation-focused
Designed specifically for fix-and-flip projects with staged funding and renovation expertise.
Everything you need to know about fix-and-flip loans
What are fix-and-flip loans?
Fix-and-flip loans are short-term financing solutions designed for real estate investors who purchase, renovate, and sell properties for profit. These loans are based on the property's after-repair value (ARV) rather than traditional income qualification.
How do fix-and-flip loans work?
Fix-and-flip loans provide funding for both the property purchase and renovation costs. The loan amount is typically based on 70-80% of the ARV, with funds released in stages as renovation milestones are completed.
Use cases for fix-and-flip loans
Perfect for investors looking to purchase distressed properties, renovate them to increase value, and sell them quickly for profit. Ideal for both experienced flippers and those looking to enter the market.
Who should consider a fix-and-flip loan?
How It Works
Our streamlined process makes it easy to get the fix-and-flip financing you need for your renovation projects.
Apply Online
Start your fix-and-flip loan application with property details, renovation plans, and project timeline. Get pre-qualified in minutes.
Speak with a fix-and-flip expert
Get personalized guidance from our experienced team who specialize in renovation financing and property investment loans.
Submit project documentation
Provide property appraisal, renovation budget, contractor information, and timeline for comprehensive project review.
Get approved
Receive your fix-and-flip loan approval in 5-14 days and start your renovation project with confidence.
Close and renovate
Close your loan and begin renovations with staged funding releases as you complete project milestones.
Your renovation projects just got more powerful
Fast funding
Get up to $2M funded in as few as 5-14 days for your renovation projects.
Renovation-focused
Qualify based on your renovation plan and property potential, not just personal income.
Staged funding
Receive funding in stages as you complete renovation milestones, ensuring proper project management.
💡 Frequently Asked Questions
A fix-and-flip loan is a short-term financing solution designed for real estate investors who purchase properties, renovate them, and then sell them for a profit. These loans typically have terms of 6-18 months and are based on the property's after-repair value (ARV).
Fix-and-flip loans typically allow you to borrow up to 70-80% of the property's after-repair value (ARV) or 90% of the purchase price plus renovation costs. Loan amounts can range from $50,000 to $2 million or more, depending on the property and your experience.
Requirements typically include a minimum credit score of 620-680, proof of renovation experience or a qualified contractor, detailed renovation budget and timeline, property appraisal, and sufficient cash reserves. Some lenders may require previous fix-and-flip experience.
Fix-and-flip loan approval typically takes 5-14 days, depending on the lender and complexity of the project. The process includes property appraisal, renovation plan review, and underwriting. Some lenders offer faster approval for experienced investors.
Fix-and-flip loan interest rates typically range from 8-15%, depending on factors like credit score, experience, property location, and loan-to-value ratio. Rates are higher than traditional mortgages due to the short-term nature and higher risk of these loans.
Yes, many lenders offer fix-and-flip loans to first-time investors, though requirements may be stricter. You'll typically need a detailed renovation plan, qualified contractor, and may need to provide additional documentation or higher down payment.
If you can't sell within the loan term, you have several options: extend the loan (usually with additional fees), refinance into a long-term rental loan, or sell the property at a reduced price. It's important to have a backup plan and realistic timeline.
Ready to start your next fix-and-flip project?
Get a custom quote today — see how much you can borrow for your renovation project.