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
Complete The Form To See What Rate You Qualify For
✅ Your quote request was submitted successfully!
❌ Something went wrong. Please try again.
Thank You
Your dedicated Loan Officer will contact you shortly.
While we prepare your file, take 2 minutes to watch :
"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
-
New flippers welcome — First-time flippers with strong credit and adequate reserves are eligible
-
Experienced flippers — Track record may qualify you for better leverage and rates
-
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
How it Works: From Deal to Funding in 5 Steps
Step 1 :
Submit Your Deal
Send us the property address, purchase price, renovation budget, and ARV estimate. You'll receive preliminary terms and a proof of funds letter within 24 hours—often the same day.
Step 2 :
Underwriting & Appraisal
Once you're under contract, we order the appraisal and complete underwriting. Our team reviews the scope of work, contractor bids, and comparable sales. Typical turnaround: 3-5 business days.
Step 3 :
Approval & Closing
With approval confirmed, we coordinate with title and prepare closing documents. Most deals close within 10-14 business days of application. Rush closings available when timelines demand it.
Step 4 :
Renovation & Draws
Start your rehab. As work is completed, submit draw requests with photos. We inspect and fund within 24-48 hours. No waiting weeks for capital—your project keeps moving.
Step 5 :
Sell or Refinance
List the property and sell, or refinance into a long-term hold. If you're keeping it as a rental, ask about our DSCR refinance program for a seamless transition.
Flippers Who've Funded With Us
"I found a probate deal that needed to close in 12 days or I'd lose it. DSCRPro got me to the closing table in 11. That flip netted me $47,000—wouldn't have happened with any other lender."
— James R., Flipper, Newark, NJ
"The draw process is what sets them apart. My last lender took 10-14 days for every draw. DSCRPro funds in two days. When you're paying contractors, that matters."
— Michelle T., Full-Time Flipper, Queens, NY
"First flip, and I was nervous about the financing side. Their team walked me through the scope of work, flagged a contractor bid that was way too low, and helped me structure the deal right. Closed on time and made money."
— Andre P., First-Time Flipper, Stamford, CT
"I run 8-10 flips a year now, all funded through DSCRPro. Consistent terms, fast draws, and they actually pick up the phone. That's rare in this business."
— Sandra M., Portfolio Flipper, Jersey City, NJ
Why DSCRPro for Fix & Flip? Because We're Built for Investors.
Traditional hard money lenders treat fix & flip loans as a sideline—high rates, slow draws, and underwriters who don't understand renovation timelines.
We're different.
Real estate investment financing is our entire business. Our team has funded hundreds of flips, and we know what kills deals: slow closes, delayed draws, and surprise conditions at the last minute.
What that means for your flip:
-
Speed that matches your timeline. Close in 10-14 days. Draws in 48 hours. Proof of funds same day.
-
Leverage that protects your margins. Up to 90% of purchase, 100% of rehab.
-
Experience that adds value. We've seen hundreds of scopes of work. If something looks off, we'll tell you before it becomes your problem.
-
Tri-state expertise, nationwide reach. Deep knowledge of NY, NJ, and CT markets. Licensed to close in most states.
-
Bridge to long-term hold. Planning to refinance into a rental? Our DSCR loan program provides a seamless exit.
Fix & Flip Financing for Every Strategy
The Classic Flip
Buy distressed, renovate, sell at market value. Our bread and butter. Fast close to win the deal, quick draws to stay on schedule, clean exit when you sell.
The BRRRR Strategy
Buy, Rehab, Rent, Refinance, Repeat. Use fix & flip financing for acquisition and renovation, then refinance into our DSCR product once the property is stabilized.
The Wholesale Assignment
Taking assignment of a wholesale contract? We can close on assignment deals and fund your flip.
The Auction Purchase
Won a property at auction with a 30-day close requirement? We specialize in tight timelines.
The Light Cosmetic Flip
Not every flip needs a gut rehab. Cosmetic updates still qualify. Lower rehab budgets can mean faster draws and quicker turns.
The Heavy Renovation
Major structural work, additions, full gut rehabs—we fund them. Larger scopes require detailed contractor bids but we're built to handle complex projects.
Ready to Fund Your Next Flip?
Whether it's your first flip or your fiftieth, every deal starts the same way: getting your numbers in front of us so we can show you exactly what we can do.
Submit your deal.
Get terms within 24 hours.
No commitment.
Our team reviews every submission personally, you'll know quickly whether the deal works and what your capital costs will be.
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.