Fix & Flip Loans
Short-term financing for investors purchasing properties to renovate and sell. Get capital to execute your flip strategy.
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How Fix & Flip Loans Work
Fix and flip loans are short-term financing for investors who buy, renovate, and sell properties for profit. Loan amounts are based on the property's after-repair value (ARV)—the estimated value once renovations are complete. Learn how to calculate ARV using our free tools.
This ARV-based approach lets you finance both purchase price and renovation costs. Rehab funds are held in escrow and released as work progresses, keeping projects on track. Typical LTV ratios for fix & flip loans range from 65-75% of ARV, with LTC (Loan-to-Cost) often reaching 80-90%. Ryan Davies helps structure your deal and coordinates with our lending partners.
Whether you're flipping in Salt Lake County, Utah County, or anywhere in Utah, our fix & flip loans provide the speed and flexibility you need to capitalize on opportunities.
Fix & Flip Loan Features
ARV-Based Lending
Loan amounts based on after-repair value, maximizing your buying power.
Rehab Financing
Finance purchase and renovation in one loan, with draws as work progresses.
Short-Term Structure
6-12 month terms designed for flip timelines with extension options.
Value-Add Focus
Fund properties that need work and don't qualify for conventional financing.
Understanding ARV-Based Lending
ARV (After-Repair Value) is the estimated market value after renovations. Lenders use ARV to determine maximum loan amounts—typically 65-75% of ARV. Use our ARV calculator to estimate your property's value.
Example: $300K ARV at 70% = $210K max loan. This can cover both purchase and rehab costs depending on the deal structure. Learn more about LTV ratios and LTC calculations in our glossary.
Understanding ARV is critical for fix & flip success. Check out our free guides on deal analysis and ARV calculation methods.
Typical Structure
- 65-75% loan-to-ARV ratios
- 85-90% of purchase price
- Up to 100% of rehab costs
- Interest-only payments
- 6-12 month terms
- Draw-based rehab funding
Exit Strategies
A clear exit strategy is critical. Common options:
Sell After Renovation
Complete rehab, sell to end buyer, repay from proceeds.
Refinance to Long-Term
Refinance into conventional or DSCR loan to hold as rental.
Sell to Investor
Wholesale or sell to another investor if plans change.
Frequently Asked Questions
Fix and flip loan amounts are typically based on the property's After-Repair Value (ARV). Most lenders offer 65-75% of ARV, which can include both the purchase price and renovation costs. For example, if a property's ARV is $300,000 at 70% LTV, you could potentially borrow up to $210,000 for purchase and rehab combined.
NO PRIMARY RESIDENCES • NON-OWNER OCCUPIED ONLY • BUSINESS AND COMMERCIAL USE ONLY
All fix & flip loans are business-purpose only and non-owner occupied. We do not provide financing for primary residences or consumer loans.
Ready to Fund Your Flip?
Contact Ryan Davies directly to discuss your flip project structure.
Prefer to learn first? Check out our free education resources or use our deal calculators.