FIX & FLIP LOANS — FINANCE YOUR NEXT INVESTMENT OPPORTUNITY
Finance eligible investment property acquisitions and renovations with short-term, asset-based lending designed for investors who purchase, rehabilitate, and resell or refinance. QREF underwrites the property and the renovation plan — not your personal income.
Typical Use Cases
- Acquiring a distressed or dated property for renovation and resale
- Funding cosmetic, moderate, or substantial rehabilitation projects
- Purchasing and renovating a property to convert into a long-term rental
- Refinancing an existing acquisition loan into a renovation loan
- Scaling a fix-and-flip operation across multiple concurrent projects
Financing Highlights
Up to 85%
Of eligible purchase price
Up to 100%
Of approved renovation costs
Up to 75%
Maximum of after-repair value
12-mo interest-only
Typical structure
Property Eligibility
- Non-owner-occupied investment properties only
- Single-family, 2–4 unit residential investment properties
- Properties with renovation upside or distressed condition
- Purchase, refinance, or refinance-plus-rehab transactions
Borrower Considerations
- New and experienced investors welcome
- Business entity (LLC/Corp) generally required before closing
- Credit history reviewed; 680+ preferred, exceptions considered
- Exit strategy required (sale or refinance)
The Loan Application Process
- 1
Submit your scenario
Complete the free quote form with property address, purchase price, renovation budget, and ARV.
- 2
Initial review
Our team reviews the property, renovation scope, and exit strategy.
- 3
Term sheet
If the scenario qualifies, we issue a term sheet with financing structure and conditions.
- 4
Due diligence
Appraisal, title, and renovation budget verification.
- 5
Closing
Sign documents and fund. Draw schedule tied to renovation milestones.
Common Borrower Questions
What is after-repair value (ARV)?
ARV is the estimated value of the property after the planned renovation is complete. Lenders use ARV to cap total financing, typically at 75% of ARV for fix & flip programs.
Do I need a contractor?
A licensed contractor is preferred for substantial renovations. You can self-manage cosmetic work. We review the renovation budget and scope during underwriting.
Can a first-time investor qualify?
Yes. New investors can qualify with a strong property, realistic renovation budget, and clear exit strategy. Experience is considered but not required.
What are the maximum financing limits?
Up to 85% of purchase price and 100% of approved rehab costs, capped at 75% of ARV. These are program guidelines, not guaranteed amounts — actual terms depend on underwriting.
Ready to Discuss Your fix and flip Scenario?
Tell us about your investment property and financing goals. We'll review your scenario and discuss available options.