Access Fast, Flexible Capital for Fix & Flip Projects
Transform properties with financing that keeps your turnaround times competitive and profitable.
Loan Highlights
Loan Criteria
Collateral:
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties
LTV:
Up to 90% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV
Term:
12 – 18 Months
Minimum After Repair Value:
$100k for Single-Family
$100k for 2-4 Family
$350k for Multi-Family (5+)/Mixed-Use
Loan Amount:
$50k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $2.5M for Multi-Family (5+)/Mixed-Use
Minimum FICO:
660
Rates:
As Low As 9.99% (Interest Only Charged on Outstanding Balance)
Pre-Payment Penalty:
N/A
ARV Loan Program Typical Leverages & Rates
NEW
INVESTOR
LTV
Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the ARV
RATES
Starting at 10.99%
INTERMEDIATE
INVESTOR
LTV
Up to 85% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 75% of the ARV
RATES
Starting at 10.49%
EXPERIENCED
INVESTOR
Completed More Than 10 Flips
in the Last 3 Years
LTV
Up to 90% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 75% of the ARV
RATES
Starting at 9.99%
Why Choose Flex Financial
- Fast Approvals: Decisions quickly so you can secure deals under contract.
- No Pre-Payment Penalty: Exit on your timeline — sell or refinance without penalty.
- Interest on Used Funds Only: You pay interest only on the funds you draw, not on held-back rehab reserves.
- Simple Qualification: Credit score requirements are competitive (minimum ~660).