fix & flip

loans

Fix & Flip Loans, Crafted for Texas Real Estate Investors

fix & flip

loans

Fix & Flip Loans, Crafted for Texas Real Estate Investors

Finance up to 90% of purchase and 100% of rehab costs. High-leverage capital engineered around your property’s After-Repair Value (ARV).

Applying is free and won't affect your credit. See if you qualify now.

1: The Boutique Advantage

Capital Built for Real Estate Investors Who Move Fast

Capitalizing on distressed, estate, or off-market property opportunities across Tyler, Longview, and regional East Texas requires fast, reliable capital. Traditional bank mortgages move too slowly and reject properties with deferred maintenance or structural rehab needs.

We deliver high-leverage Fix & Flip capital structured for active real estate investors. By funding both the acquisition price and 100% of your renovation scope based on After-Repair Value (ARV), we craft flexible short-term debt that preserves your liquid cash so you can scale your rehab projects with confidence.

2: Core Qualification & Program Features

Fix & Flip Program Highlights & Key Benefits

  • Up to 90% Purchase / 100% Rehab Financing: Minimize your out-of-pocket cash required to acquire and renovate properties.

  • Based on After-Repair Value (ARV): Borrow up to 70%–75% of the projected completed property value.

  • Fast Escrow Draw Disbursements: Quick, local draw processing to keep your contractors working and projects on schedule.

  • Interest-Only Monthly Payments: Pay interest only on disbursed funds during the 12- to 18-month rehab hold period.

  • LLC & Corporate Entity Vesting: Close transactions under your business entity for full legal protection and tax strategy.

3: Ideal Candidates

Who Benefits Most from Fix & Flip Financing?

Fix & Flip loans cater to active real estate investors acquiring distressed residential properties to renovate and resell. This program is ideal for:

  • Full-Time Real Estate Investors: Scaling multi-property flip operations across Smith County and East Texas.

  • First-Time & Emerging Flippers: Working with experienced contractors seeking reliable project funding.

  • BRRRR Strategy Investors: Buying, rehabbing, and refinancing properties into long-term DSCR loans to hold as rentals.

  • Wholesalers & Value-Add Buyers: Converting off-market real estate leads into profitable renovation projects.

4: Frequently Asked Questions

Fix & Flip Loan FAQs

Q: How does a Fix & Flip loan work in Texas?

A: A Fix & Flip loan is a short-term hard money or private capital loan that finances up to 90% of the property purchase price and 100% of the renovation budget, based on the estimated After-Repair Value (ARV).

Q: What is After-Repair Value (ARV) and how much can I borrow?

A: After-Repair Value (ARV) is the projected appraised market value of the property once all planned renovations are completed. Fix & Flip loans typically allow borrowing up to 70% to 75% of the total ARV.

Q: How are renovation funds disbursed during a flip project?

A: Renovation capital is held in an escrow draw account and disbursed in stages (draws) as your contractors complete specified milestones, verified through quick site inspections.

Ready to Fund Your Next Rehab Opportunity?

Experience agile rehab financing tailored to your deal numbers. Connect with an East Texas investor lending specialist today to review your ARV and draw schedule.