Free Investor Playbook
The 2026 Fix & Flip
Investor Playbook
Acquisition strategies, rehab budgeting, bridge loan structures, and exit timing — from a lender that's funded $2M+ in flips.
What's Inside
2026 bridge loan comparison: rates, leverage, and terms across programs
Rehab budgeting: how to estimate costs and avoid overruns
ARV analysis: how to calculate After-Repair Value accurately
LTC vs LTV: understanding leverage in fix & flip financing
Draw schedules: how rehab draws work and what lenders require
Exit strategies: sell vs rent vs BRRRR — when each makes sense
Market selection: where flips work best in 2026
Real deal breakdowns from 818 Capital's recent closings
Deal Economics
Anatomy of a Profitable Flip
Every dollar in, every dollar out — visualized.
ROI on Cash Invested: 124%
$42K cash in → $52K profit in 6 months
Financing Options
Bridge Loan Programs Compared
More leverage = less cash out of pocket, but higher rates.
Project Timeline
The 6-Month Flip Lifecycle
From close to cash — every month matters.
Mo 0
Fund & acquire
Mo 1-3
Renovate property
Mo 4
Stage & market
Mo 5-6
Close with buyer
Mo 7-12
Safety margin
Carrying costs accumulate at ~$3,000/month — every month over budget costs you profit
Rehab Planning
Where Your Rehab Budget Goes
Kitchen and bathrooms drive 46% of your budget — and 80% of your ARV lift.
Based on $75,000 total rehab budget
Sensitivity Analysis
ROI by ARV & Rehab Cost
Green = strong deal. Yellow = proceed with caution. Red = restructure or pass.
| ARV ↓ / Rehab → | $60K Rehab | $75K Rehab | $90K Rehab |
|---|---|---|---|
| $350K ARV | $40K 95% ROI | $25K 60% ROI | $10K 24% ROI |
| $375K ARV | $65K 155% ROI | $52K 124% ROI | $35K 83% ROI |
| $400K ARV | $90K 215% ROI | $77K 183% ROI | $60K 143% ROI |
Based on $200K purchase price. Includes $18K carrying + $30K closing costs.
Funded Deals
Real Flips We've Funded
90% LTC / 100% Rehab
Washington, DC
$525,000
Rate: 9.5%
DC metro flip with premium ARV potential. 12-mo bridge IO.
90% LTC / 100% Rehab
Fort Worth, TX
$310,000
Rate: Competitive
DFW suburb with metro spillover demand. Max leverage execution.
12-Mo Bridge IO
Pensacola, FL
$195,000
Rate: 10.49%
Coastal market flip. 4-6% YoY appreciation. Low carry costs.
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Bridge loan comparison, rehab budgets, ROI calculators, and 6 real deal breakdowns.
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