Fix & Flip Loans
Fix-and-flip loans are short-term investor loans that can cover part of the purchase price and the renovation budget on a property you plan to improve and sell.
How They Typically Work
- Loan amounts based on the purchase price and the after-repair value (ARV)
- Renovation funds released in draws as work is completed
- Interest-only payments, with terms that often run 6 to 24 months
What Lenders Typically Review
- The deal numbers: purchase price, rehab budget, and ARV
- Your scope of work and contractor
- Your investing experience
- Your exit plan: a sale, or a refinance into a rental loan
Fix-and-flip financing is for business-purpose investment properties only, not owner-occupied homes.
How We Help
We help you present your deal clearly and connect you with investor lenders whose leverage, draw process, and pricing fit your project.
Not sure which option fits?
Book a free 15-minute Capital Review or call (760) 214-5850. Ready to move forward? Start your application online.
Horizon Financial places commercial and business financing requests with a network of third-party lenders and is typically paid by the lender at funding. When a lender doesn’t pay, our fee is disclosed in writing before you sign and is due only at closing. No up-front fees. Not all applicants will qualify. All loans are subject to lender underwriting, credit approval, and program guidelines. Rates, terms, and timelines vary by lender. Victor Hernandez, NMLS #798657.