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Investor Rehab Funding

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Investor Rehab Funding

Fix & Flip Loans for Real Estate Investors

Fast and flexible fix and flip financing designed to help real estate investors acquire, renovate, and sell investment properties with confidence.

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  • No Income Docs Required
  • No Prepayment Penalty
  • Close in 12–15 Business Days

What Are Fix & Flip Loans?

Fix & flip loans are designed for real estate investors who purchase properties with the goal of renovating and reselling them for a profit. Unlike traditional financing, these loans are built around investment properties and are structured to help investors move quickly when opportunities arise.

Whether you’re purchasing a property that needs cosmetic updates or a more extensive renovation, fix and flip financing can provide the capital needed to acquire and improve the property before it is sold. Many investors use these loans to fund projects that may not qualify for conventional bank financing.

We offer fix & flip loan programs for both new and experienced real estate investors. Our financing solutions are designed to support a variety of investment strategies, helping borrowers secure funding for projects across multiple U.S. markets.

Compare Our Fix & Flip Loan Programs

Every real estate investment project is different, which is why Investor Rehab Funding offers multiple fix & flip loan programs designed to meet a variety of financing needs. Use the comparison table below to explore our options.

PROGRAMMIN CREDITFLIPS REQUIREDMAX FINANCINGLOAN AMOUNTCLOSING TIME
No Credit Check - Atlanta OnlyN/A 0100% Purchase + 100% Rehab$250K–$3M 7–10 days
100% Fix & Flip Financing650+ 0 to 3+100% Purchase + 100% Rehab$100K–$1.25M 12–15 days
No Monthly Payments600+ 5+ in 36 months for maximum leverage90% Purchase + 100% Rehab$75K–$4M 12–15 days
Silver650+ 5+ in 36 months90% Combined$150K–$2M 12–15 days
Platinum680+ 3+85% Purchase + 100% Rehab$75K–$2M 12–15 days
Premier640+ 1+ in 24 months85% Combined$150K–$2M 7–10 days
Platinum Plus700+ 3+90% Purchase + 100% Rehab$50K–$2M 12–15 days

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Explore Our Fix & Flip Loan Programs

Investor Rehab Funding offers multiple fix & flip financing options designed for different experience levels, project sizes, and investment strategies.

100% Fix & Flip Financing

Designed for investors seeking maximum leverage with financing available for both acquisition and renovation costs. Available for qualified borrowers from first-time investors to experienced fix & flip operators.

No Monthly Payments

For first-time and experienced investors seeking to preserve cash flow, with monthly payments rolled into the total loan amount.

Silver Program

A strong financing option for experienced investors looking for high combined financing for both acquisition and renovation costs.

Platinum Program

Built for experienced fix & flip investors who need separate financing for both purchase and renovation costs. Offers strong leverage and fast closings.

Premier Program

Designed for investors with limited fix & flip experience who need fast, flexible financing to take on their next investment opportunity.

Platinum Plus Program

Our premium fix & flip financing solution for highly qualified investors seeking enhanced leverage, flexible funding, and larger project opportunities.

General Eligibility Guidelines

Review the general qualification requirements for our fix & flip loan programs. While specific financing terms may vary, the guidelines below provide an overview of the criteria commonly considered.

Funding Areas
Investor Rehab Funding provides fix & flip financing in most U.S. states, helping real estate investors fund acquisition and renovation projects across a wide range of markets. At this time, financing is not available in Nevada, Oregon, Minnesota, North Dakota, South Dakota, and Vermont. Certain markets may also require a minimum As-Is property value to qualify for funding.
Eligible Property Types
Our fix & flip loan programs are designed for non-owner occupied investment properties. Eligible property types include single-family homes, 2–4 unit residential properties, condominiums, and townhomes. To qualify, properties must contain a minimum of 750 square feet and may not exceed 10 acres in size. Additional property requirements may apply based on the condition, location, and overall investment profile.
Credit Requirements
Creditworthiness is an important part of the loan review process. Borrowers must have at least two credit bureau scores available, and all mortgage obligations reported on the credit report must be current prior to closing. Applicants with bankruptcies, foreclosures, charge-offs, or judgments within the previous two years may not qualify. Minimum credit score requirements vary depending on the selected loan program.
Experience Requirements
Fix & flip experience may be evaluated based on previously completed renovation projects or currently owned rental properties. This allows Investor Rehab Funding to better understand an investor's experience managing real estate investments. Completed flips are generally defined as residential investment properties that have been purchased, renovated, and sold or refinanced within the last 36 months. Experience may also be credited to any individual holding 20% or greater ownership in the borrowing entity.
Loan Terms
Loan terms are designed to provide flexibility for real estate investors pursuing value-add opportunities. Most programs offer a 12-month loan term along with interest-only monthly payments. Many programs also include no prepayment penalty, allowing borrowers to sell or refinance their property without additional payoff fees. Interest is not charged on unused renovation funds, helping investors better manage project costs.
Property Appraisal
A professional property appraisal is required for all funding transactions. The appraisal helps determine the property's current market value and may also be used to evaluate the project's After Repair Value (ARV). Appraisal fees are paid prior to ordering the report and typically range from $400 to $1,200, depending on the property type and market location.
Required Documentation
To begin the underwriting process, borrowers should be prepared to provide documentation related to identity verification, financial capacity, property information, and business ownership. Commonly requested documents include a government-issued ID, purchase contract (if applicable), recent personal or business bank statements, business entity documentation, a real estate experience worksheet, a renovation budget, and authorization for credit and background review.

Why Choose Investor Rehab Funding?

No Income Documentation Required

Qualify based on the strength of the investment opportunity without traditional income verification requirements.

No Interest on Unused Rehab Funds

Interest is only charged on renovation funds that have been drawn, helping investors reduce unnecessary carrying costs.

No Prepayment Penalty

Pay off your loan early through a property sale or refinance without worrying about prepayment penalties.

No Escrow for Taxes & Insurance

Maintain greater control over project expenses without mandatory escrow requirements for taxes and insurance.

Ready to Fund Your Next Deal?

Take the next step toward your investment goals. Explore financing solutions designed specifically for real estate investors.

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"

Investor Rehab Funding made our last fix and flip seamless. The draw process was incredibly fast, and closing in 12 days meant we didn't lose the deal to cash buyers.

Sarah M. — Real Estate Investor

Frequently Asked Questions

Which Fix & Flip Loan Program Is Right for Me?
The best program depends on your credit profile, real estate investing experience, project size, and financing needs. Use the comparison table above to review each option, or contact our team for guidance on selecting the most suitable fix & flip loan program.
Do I Need Previous Fix & Flip Experience to Qualify?
Not always. Some fix & flip financing programs are designed for experienced investors, while others may accommodate borrowers with limited or no previous flipping experience. Qualification requirements vary by program.
What Types of Properties Qualify?
Eligible investment properties may include single-family homes, 2–4 unit residential properties, condominiums, townhomes, and certain multifamily properties. Property eligibility depends on the selected loan program and project details.
Do I Need to Borrow Through a Business Entity?
Yes. Fix & flip loans are generally funded through a business entity such as an LLC or corporation rather than an individual's personal name. Additional entity documentation may be required during underwriting.
What Are the Typical Loan Terms?
Most fix & flip loan programs offer a 12-month term with interest-only payments. Many programs also include no prepayment penalty, allowing investors to sell or refinance their investment property before maturity.
How Fast Can a Fix & Flip Loan Close?
Closing timelines vary by program, but many borrowers can close in as little as 7–15 business days once all required documentation, appraisal requirements, and title work have been completed.

Platinum Plus Program

The Platinum Plus Program is designed for investors seeking advanced financing solutions with strong leverage and flexible underwriting. It is well suited for experienced borrowers pursuing larger investment opportunities.

Key Features & Requirements

  • Up to 90% Purchase Financing
  • Up to 100% Rehab Financing
  • Minimum 700+ Credit Score
  • 3+ Completed Flips Required
  • One completed flip should be within 5 miles of the subject property
  • Maximum Loan Amount Up to 70% ARV
  • Loan Amounts from $50,000 to $2,000,000
  • First-Time Investors May Qualify at Lower LTV Levels
  • No Interest Charged on Unused Rehab Funds
  • No Credit Pull Required for Prequalification
  • No Prepayment Penalty
  • Fast Qualification Process
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Premier Program

The Premier Program helps newer investors access financing without requiring an extensive history of completed projects. It combines flexible qualification standards with competitive funding options and accelerated closings.

Key Features & Requirements

  • Up to 85% Combined Purchase & Rehab Financing
  • Minimum 640+ Credit Score
  • 1+ Completed Flip Within the Last 24 Months
  • Maximum Loan Amount Up to 75% ARV
  • Eligible for Single-Family, 2–4 Unit, Condo, Townhome, and Multifamily Properties
  • No Source or Seasoning of Funds Required
  • Loan Amounts from $150,000 to $2,000,000
  • No Hard Credit Pull for Prequalification
  • No Prepayment Penalty
  • Up to 3% Seller-Paid Closing Costs Allowed
  • Typical Closing Time: 7–10 Business Days
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Platinum Program

The Platinum Program is designed for investors with a proven track record who need financing for both property acquisition and renovation costs. It combines competitive leverage with flexible qualification requirements for experienced borrowers.

Key Features & Requirements

  • Up to 85% Purchase Financing
  • Up to 100% Rehab Financing
  • Minimum 680+ Credit Score
  • 3+ Completed Flips Required
  • One completed flip should be within 5 miles of the subject property
  • Maximum Loan Amount Up to 70% ARV
  • Loan Amounts from $75,000 to $2,000,000
  • Eligible for Single-Family, 2–4 Unit, Condo, and Townhome Properties
  • No Hard Credit Pull for Prequalification
  • No Interest Charged on Unused Rehab Funds
  • No Prepayment Penalty
  • Fast Closing in Approximately 12–15 Business Days
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Silver Program

The Silver Program is designed for experienced real estate investors seeking flexible financing for both property acquisition and renovation expenses. This program rewards investors with established project experience while providing a streamlined qualification process.

Key Features & Requirements

  • Up to 90% Combined Purchase & Rehab Financing
  • Minimum 650+ Credit Score
  • 5+ Completed Flips Within the Last 3 Years
  • First-Time Investors May Qualify at Lower LTV Levels
  • Maximum Loan Amount Up to 70% ARV
  • Loan Amounts from $150,000 to $2,000,000
  • No Credit Pull Required for Prequalification
  • No Interest Charged on Rehab Funds Until Drawn
  • No Prepayment Penalty
  • Up to 3% Seller-Paid Closing Costs Allowed
  • Typical Closing Time: 12–15 Business Days
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No Monthly Payments Program

The No Monthly Payments Program is designed for experienced real estate investors seeking maximum financing while preserving cash flow during the renovation process. With no monthly interest payments during the loan term, investors can focus on completing their projects without additional monthly carrying costs.

Key Features & Requirements

  • Minimum 680+ Credit Score
  • 5+ Completed Flips Within the Last 36 Months
  • Up to 90% Purchase Financing
  • Up to 100% Rehab Financing
  • Loan Amounts from $75,000 to $4,000,000
  • Close in Approximately 12–15 Business Days
  • No Monthly Payments During the Loan Term
  • Designed for Experienced Fix & Flip Investors
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100% Fix & Flip Financing

This program is designed for investors who want to maximize leverage by financing both the purchase price and renovation budget. It provides flexible qualification options for both new and experienced fix & flip investors while minimizing out-of-pocket capital requirements.

Key Features & Requirements

  • Up to 100% Financing of Purchase Price and Rehab Budget Combined
  • Loan Amounts from $100,000 to $1,250,000
  • Minimum 650+ Credit Score
  • Up to 75% ARV for Qualified Borrowers
  • No W-2s, Pay Stubs, 1099s, or Profit & Loss Statements Required
  • No Prepayment Penalty
  • Seller May Contribute Up to 2% of Purchase Price Toward Closing Costs
  • Close in Approximately 12–15 Business Days

Qualification Guidelines

  • Minimum 650+ Qualifying Credit Score
  • No Prior Fix & Flip Experience Required (Up to 65% ARV)
  • 700+ Credit Score with 3+ Completed Flips May Qualify for Up to 75% ARV
  • Rehab Budget Cannot Exceed Purchase Price
  • Eligible for Single-Family and 2–4 Unit Properties
  • Adding New Square Footage Allowed
  • Required Liquid Assets: $15,000 or 25% of Rehab Budget (Whichever Is Greater), Plus Closing Costs
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