Fix and Flip Loan
Fund Your Flip in Days, Not Months - From Acquisition to Rehab to Exit
Short-term financing designed for investors who move fast.
Supporting Trust Elements
✅Up to 90% LTV on Purchase
✅100% Rehab Financing Available
✅Close in 10-14 Business Days
✅Draw Requests Funded in 48 Hours
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"DSCR Loan Interest Rates Explained: 5 Factors That Lower Your Rate"
Smart investors learn the system before they enter it.
Understanding what drives your interest rate helps you qualify for the lowest rate possible and can save you thousands. Most borrowers don't know these factors. You will.
Fix & Flip Financing:
Built for Speed, Structured for Profit
Opening (For New Flippers)
Here's the challenge with flipping houses: the best deals don't wait. That distressed property with $80,000 in equity? It'll be gone by the time a traditional lender finishes reviewing your tax returns.
Fix & flip loans solve this problem. They're short-term bridge loans typically 12 to 24 months designed specifically for investors who buy properties, renovate them, and sell for profit. The loan covers your purchase and your renovation costs, then you pay it off when you sell.
No W-2s. No income verification. The lender cares about one thing: can this deal make money?
Transition (For Experienced Flippers)
If you're already running multiple projects, you know the real bottleneck isn't finding deals it's capital deployment. Traditional hard money lenders move slowly, charge excessive points, and nickel-and-dime you on draw inspections.
We've built our fix & flip program for volume. Fast closes. Quick draws. Competitive rates that protect your margins. When your contractor is ready, your capital should be too.
The Deal Economics Block
How Fix & Flip Financing Works:
PURCHASE FINANCING: Up to 90% of Purchase Price
REHAB FINANCING: Up to 100% of Renovation Budget
Maximum: 70-75% of ARV (After-Repair Value)
Example Deal:
• Purchase Price: $200,000
• Renovation Budget: $50,000
• After-Repair Value (ARV): $325,000
Your Loan:
• Acquisition: $180,000 (90% of purchase)
• Rehab: $50,000 (100% of budget)
• Total Loan: $230,000
• Your Cash to Close: ~$25,000-30,000 (including closing costs)
Your Potential Profit: ~$60,000
Why Flippers Choose DSCRPro for Their Projects
Speed That Wins Deals
Close Before the Competition
In competitive markets, the investor who can close fastest gets the deal. We've built our process to move at your pace.
• Pre-approval within 24 hours
• Full underwriting in 3-5 business days
• Close in as few as 10 business days
• Proof of funds letter same day
Perfect for: Auction purchases, REO acquisitions, wholesaler assignments, and any deal with a tight closing window.
Rehab Draws Without the Runaround
Your Contractor Shouldn't Wait for Capital
Nothing kills a flip timeline like waiting two weeks for a draw. We fund completed work fast so your project stays on schedule.
• Draw requests processed in 24-48 hours
• Simple inspection process
• No minimum draw amounts
• Fund directly to you or your contractor
Perfect for: Active projects, GC-managed rehabs, and investors running multiple flips simultaneously.
Leverage That Maximizes ROI
Keep More Capital Working
The less cash tied up in each deal, the more deals you can run. Our leverage terms are designed to maximize your deployment.
• Up to 90% of purchase price
• Up to 100% of renovation costs
• Combined up to 75% of ARV
• Interest-only payments (no amortization)
Perfect for: Scaling your flip business, preserving working capital, and maximizing returns on invested cash.
Fix & Flip Loan Requirements: Know Before You Apply
Requirement
DSCRPro Standard
Minimum Credit Score
660
Maximum LTV (Purchase)
90%
Maximum LTC (Total Costs)
90%
Maximum ARV
70-75%
Rehab Financing
Up to 100%
Minimum Loan Amount
$75,000
Maximum Loan Amount
$3,000,000+
Loan Term
12, 18, or 24 months
Property Types
SFR, 2-4 Units, Condos, Townhomes
Extension Options
Available (typically 3-6 months)
Documentation Required
✅Valid government-issued ID
✅Purchase contract or proof of ownership
✅Scope of work / renovation budget
✅Contractor bids (for larger rehabs)
✅Proof of funds for down payment and reserves
✅Entity documents (if purchasing through LLC)
Experience Considerations
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New flippers welcome — First-time flippers with strong credit and adequate reserves are eligible
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Experienced flippers — Track record may qualify you for better leverage and rates
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No flip experience required — General contracting or real estate background can substitute
What We
Don't Need
❌Tax returns
❌W-2s or pay stubs
❌Income verification
❌Debt-to-income calculations
Expert International Support from Inquiry Through Funding
We close foreign national mortgage loans for investors in 47+ countries. Our team handles:
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Multi-currency down payment coordination
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Correspondent bank routing for international wires
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OFAC compliance (pre-cleared before contract)
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Entity structure optimization for tax efficiency
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State-specific investment property requirements
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"DSCR helped me get my house. They negotiated and secured the best deals for me. Also, they went above and beyond to ensure my satisfaction." - Angela Waldron
DSCR Focus That Empowers Portfolio Growth
No limits on total properties financed. Scale from one rental to 10+ properties using the same streamlined foreign national home loan process.
Unlike traditional lenders who cap portfolio size or impose overlay restrictions after 4-5 properties, we support unlimited growth. Each property qualifies independently based on its own cash flow.
Frequently Asked Questions
Q1. Do I need a U.S. bank account for foreign national mortgage loans?
Yes, most lenders require U.S. bank account for closing funds and monthly mortgage payments. We can guide account setup during pre-qualification.
Q2. Can I qualify for foreign national home loans without a U.S. credit score or SSN?
Absolutely. DSCRPro's foreign national mortgage loans focus on property income and international financial documentation instead of U.S. credit history. Passport and ITIN serve as identification. Alternative credit accepted (foreign credit reports, bank reference letters, payment history documentation).
Q3. What is DSCR and why does it matter for foreign national home loans?
DSCR (Debt Service Coverage Ratio) measures how much rental income covers your mortgage payment. Formula: Monthly Rent ÷ Monthly Mortgage Payment.
Example:
Property rents for $2,500/month
Mortgage payment (PITI) = $2,000/month
DSCR = 2,500 ÷ 2,000 = 1.25
DSCR of 1.0+ means rent covers the full payment. Higher DSCR signals stronger cash flow, which improves approval odds and may unlock better rates on your foreign national mortgage loan.
Q4. Can I use an LLC to hold property with foreign national home loans?
Yes, LLC ownership is permitted and often recommended for foreign national mortgage loans:
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Asset protection (separates personal assets from property liability)
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Tax efficiency (consult your CPA for foreign national tax planning)
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Estate planning (easier transfer of ownership)
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Portfolio scaling (professional entity structure)
Requirements: EIN letter, LLC operating agreement, articles of organization. We provide guidance during application.
Q5. Are there geographic limitations for foreign national mortgage loans?
We fund foreign national home loans for investment properties in all 50 states. Certain property types (co-ops, high-rise condos, rural land) may have restrictions. State-specific requirements vary, we handle compliance for your target market.
Q6. How much down payment is required for foreign national home loans?
Minimum 20-25% for foreign national mortgage loans depending on:
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Property type (single-family, 2-4 unit, condo)
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DSCR ratio (stronger cash flow = better terms)
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LTV goals (up to 80% available for high-performing properties)
Down payment can be wired from international bank accounts. We coordinate correspondent bank routing.
Q7. What if I don't have an ITIN yet for my foreign national home loan?
Not a problem. We guide ITIN application process and can begin underwriting your foreign national mortgage loan while application is pending. ITIN processing typically takes 6-8 weeks, but doesn't delay loan approval if started early.
Ready to Finance Your U.S. Investment Property?
No SSN. No tax returns. No W-2s.
Just property income, passport identification, and rental cash flow.
Get pre-qualified for foreign national home loans in 24 hours.
Choose how you want to start:
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Get Pre-Qualified Now: 60-second form, same-day rate quote
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Speak With Foreign National Mortgage Loan Specialist: 15-minute strategy call
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View Current Rates & Programs: Compare foreign national home loan options
Call: [Phone Number]
Text/WhatsApp: [International Number]
Email: [Email Address]
Licensed nationwide. NMLS [License Number]. Equal Housing Lender.
What Makes DSCRPro Foreign National Home Loans Different
No SSN or U.S. Credit Required — Property Income Qualifies
Our foreign national home loans process using passport identification and ITIN numbers. No Social Security requirement. No U.S. residency verification. International addresses accepted for all correspondence.
Qualification runs on one metric: Does rental income cover the mortgage payment? We calculate DSCR using market rent analysis or existing lease agreements. Your personal income, foreign salary, or employment never enters underwriting.
Required documentation:
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Valid passport (any country)
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ITIN (or application in process—we provide guidance)
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Property appraisal
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Rental income documentation
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Down payment verification
That's the complete file. No tax returns. No W-2s. No employment verification.
Proof: "After several months of back-and-forth with another bank, Tania and Eli arrived to the rescue. I managed to close my loan in less than 30 days." - Franklin Rodríguez
ITIN, Passport, or LLC Vesting Options Accepted
Our foreign national mortgage loans offer flexible ownership structures for asset protection and tax efficiency:
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Individual ownership using passport + ITIN
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LLC vesting for liability protection (single-member or multi-member)
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Trust structures for estate planning
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Corporate ownership for portfolio investors
We guide entity setup during consultation. EIN and operating agreement required for LLC closings.
Fast, Predictable Closings with Transparent Fees
Average timeline: 21 days from application to funding. No hidden fees. No surprise rate changes. No last-minute document requests.
"It was my third loan with Eli; the team is super diligent. If they tell you they can close, they have always delivered."
—Atanda Owolabi (4-property portfolio)
Our foreign national home loan process eliminates the competitive disadvantage international investors face in multiple-offer situations:
Days 1-3: Document collection and ITIN verification
Days 4-10: Property appraisal and rent analysis
Days 11-18: Underwriting and clear-to-close
Days 19-21: Wire coordination and closing
Expedited closings available for time-sensitive contracts.
Start Building Your U.S. Real Estate Portfolio with Foreign National Mortgage Loans
International investors choose DSCRPro's foreign national home loans because we solve the problems traditional lenders create:
✅No surprise requirements or last-minute rate changes
✅No documentation burden or endless paperwork loops
✅No SSN, U.S. credit, or tax return requirements
✅21-day closings, not 5-month delays
✅Transparent fees disclosed upfront
✅Portfolio scaling with no property limits
The difference: We underwrite the property's investment potential, not your immigration status.
Contact us today to secure your first (or next) U.S. investment property with foreign national mortgage loans designed for serious global investors.
Your 3-Step Roadmap to Ownership
1
Submit Your Form
Tell us a little about the property you are eyeing. It takes less than 2 minutes.
2
Expert Consultation
Speak with a dedicated advisor who will run the numbers, explain your options, and structure the loan to fit your goals.
3
Close & Scale
We handle the paperwork. You get the keys. Then, we help you leverage that equity to buy your next one.