Fix & Flip Financing

Financing for Investors Who Buy, Renovate, and Sell.

Business-purpose financing for real estate investors purchasing and renovating non-owner-occupied properties for resale. Funding may cover a portion of the purchase price and eligible renovation costs, subject to underwriting and program requirements.

 Who This Program May Fit

Fix-and-flip financing may serve a range of investor profiles, from a first deal to a seasoned portfolio.

First-Time Flipper

An investor purchasing a distressed single-family property for renovation and resale, seeking financing structured around the deal rather than personal income history.

Repeat Investor Scaling Volume

An experienced flipper managing multiple simultaneous projects who needs a financing partner that can move at the pace of competitive offers.

Licensed Contractor-Led Rehab

An investor working with a licensed contractor on a renovation scope who may qualify for expanded cost coverage under qualifying program guidelines.

ProgramVariations

Fix-and-flip financing can be structured several ways depending on the transaction.

Purchase

Financing structured around acquiring a distressed or undervalued property for renovation and resale.

Refinance

Financing that may replace existing acquisition or renovation financing on a property already in progress, subject to underwriting.

Cash-Out

Financing that may allow an investor to access equity from a completed or stabilized project to fund the next acquisition, subject to program requirements.

Program Highlights

General fix-and-flip financing parameters below are outlined for reference. All figures are subject to underwriting and program requirements.

Financing highlights may include:

  • Up to 90% of purchase price for qualifying transactions
  • Up to 100% of eligible renovation costs for qualifying licensed-contractor scenarios
  • Funding structured around the deal and project scope
  • Renovation funds released in draws tied to completed work
  • Flexible terms designed for short-term hold-and-sell strategies


All figures are illustrative maximums and subject to underwriting, property, borrower experience, and program requirements.

Eligible Property Typesand Coverage Area

Eligible property types typically include:

  • Single-family residences
  • 2-4 unit properties
  • Townhomes
  • Condominiums acquired for renovation and resale
  • Property types and eligibility vary by state and program.

HML4Investors offers business-purpose fix-and-flip financing nationwide, subject to program and state availability. Contact our team to confirm coverage in your target market.

What You'll Typically Provide

Documentation requirements vary by transaction but generally fall into three categories.

Borrower Documentation

Identification, entity documents if applicable, proof of funds for reserves or down payment, and a summary of prior investment experience.

Property Documentation

Purchase contract, property address and details, renovation scope of work, and contractor information when applicable.

Transaction Documentation

Budget or cost breakdown for renovation, exit strategy summary, and any existing financing to be paid off in a refinance scenario.



Specific documentation requirements are confirmed during underwriting and may vary by property, transaction, and program.

How Fix & Flip Financing Moves Forward

1. Share the Deal



Provide the property, purchase price or value, and renovation scope so financing options can be identified.

2. Review Financing Options

Available structures and estimated leverage are reviewed based on the transaction and your experience.

3. Submit Documentation

Provide borrower, property, and transaction documentation to move the file into underwriting.

4. Move Toward Closing

Once underwriting conditions are satisfied, financing moves toward approval and closing.

Fix & Flip Financing FAQs

This section answers the most common questions investors ask about fix-and-flip financing.

  • Do I need prior flipping experience to qualify?

    Both first-time and experienced investors may qualify. Experience level can influence available leverage and program fit, subject to underwriting.

  • How much of the purchase price can be financed?

    Financing may cover up to a stated percentage of purchase price depending on the program, property, and borrower profile. Specific figures are confirmed during underwriting.

  • Are renovation costs included in financing?

    Eligible renovation costs may be included and released in draws as work is completed, subject to program requirements and inspection.

  • What property types are eligible?

    Eligible property types typically include single-family and small multifamily properties acquired for renovation and resale, subject to state availability.

  • How long does the financing process typically take?

    Timing varies by transaction complexity, documentation readiness, and underwriting conditions. Our team will provide an estimated timeline once the deal is reviewed.

Analyze Your Next Deal

Before submitting a scenario, use the Fix & Flip Deal Analyzer to estimate costs, leverage, and potential returns on your project.

Let's Review Your Fix & Flip Deal

Tell us about your transaction to see available financing options, or move directly to the application if you're ready to proceed.

Financing offered by HML4Investors, a division of Dr. Michael Aaron & Associates LLC, is for business-purpose, non-owner-occupied investment and commercial properties only. Information on this page is for marketing purposes and does not constitute a commitment to lend. All terms are subject to underwriting and program requirements.