SPECIALTY FINANCING

Fix-and-flip financing

Short-term investment-property financing may be structured around purchase, rehabilitation, and exit plans.

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A useful starting pointEvery mortgage has its own terms, costs, and qualification requirements. Use this overview to prepare questions and compare written loan estimates.

THE OVERVIEW

How this option works

Fix-and-flip financing is a specialty form of real-estate investment financing. It may involve a short term, project-based underwriting, renovation funds, and a planned sale or refinance as the exit strategy.

Terms, costs, draw schedules, borrower experience requirements, and property rules vary widely by lender. These products are not the same as a standard owner-occupied home mortgage, and investors should model costs and delays before proceeding.

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Questions to ask

Ask for the details in writing and compare the total cost, payment, and terms for your own scenario.

What experience, cash reserves, and project documentation are required?
How are renovation draws approved, and what fees apply if work runs late?
What is the backup plan if the property does not sell or refinance as expected?

General information only. Program rules, rates, and lender availability can change. This page is not an offer, approval, or personal recommendation. Review current written terms with a qualified mortgage professional.

Official information: CFPB: Understand mortgage costs ↗

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Fix-and-flip financing

How this option works

Questions to ask

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