Fix & Flip / Bridge
Short-Term Bridge Capital for Rehab Projects
Purchase + renovation in one loan. Our Flip Lab analyzes your deal at three ARV scenarios before you make an offer.
How Fix & Flip Loans Work
We finance up to 90% of the purchase + rehab (LTC) and up to 75% of the ARV. Draws released as work completes. 12–18 month terms with interest-only payments.
Up to 90% LTC
Up to 75% of ARV
12-18 month terms
Interest-only payments
Draw schedule for rehab
Close in 10-14 days
Example Scenario
Purchase$200,000
Rehab$75,000
ARV$375,000
Total Cost$275,000
Loan (85% LTC)$233,750
Projected Profit$100,000+
Financing Options
Bridge Loan Programs Compared
More leverage = less cash out of pocket, but higher rates.
90% LTC + 100% RehabMaximum Leverage
9.5–11%
85% LTC + 100% RehabAggressive
9–10.5%
80% LTC + 90% RehabStandard
8.5–10%
75% LTC + 80% RehabConservative
8–9.5%
The 6-Month Flip Lifecycle
From close to cash — every month matters.
Close
Rehab
List
Sell
Buffer
Carrying costs accumulate at ~$3,000/month — every month over budget costs you profit
Where Your Rehab Budget Goes
Based on $75,000 total rehab budget
Kitchen
28%$21,000
Bathrooms
18%$13,500
Systems
17%$12,750
Flooring
13%$9,750
Exterior
10%$7,500
Contingency
14%$10,500
ROI by ARV & Rehab Cost
$200K purchase. Green = strong. Yellow = caution. Red = pass.
| ARV | $60K | $75K | $90K |
|---|---|---|---|
| $350K | 95% | 60% | 24% |
| $375K | 155% | 124% | 83% |
| $400K | 215% | 183% | 143% |
Run Your Flip Through Flip Lab
Enter your purchase, rehab, and ARV. Our AI scores the deal at three scenarios.