A Fix & Flip Loan is a short-term, asset-based loan designed for real estate investors purchasing and renovating non-owner-occupied properties. Financing is primarily evaluated using the purchase price, renovation scope, borrower qualifications, and the property’s projected after-repair value, or ARV.

REI Freedom Capital offers three Fix & Flip programs based on the strength of the borrower and the deal:

* The Quick Draw: Up to 90% of the purchase price and 100% of the renovation budget, not to exceed 65% of ARV. 

* The Trail Boss: Up to 90% of the purchase price and 100% of the renovation budget, not to exceed 70% of ARV. 

* The Top Hand: Up to 100% of the purchase price and 100% of the renovation budget, not to exceed 75% of ARV. 

These loans are commonly used when an investor needs to close faster than conventional financing allows or when the property requires repairs before it can qualify for long-term financing. Fix & Flip Loans typically feature short loan terms, interest-only payments, and renovation funds released through construction draws as work is completed.

Unlike a conventional mortgage, approval is not based solely on personal income or whether the property is currently move-in ready. However, credit history, experience, liquidity, project scope, market conditions, and the overall strength of the transaction may still affect eligibility, pricing, and leverage.

Whether you are purchasing your first investment property or expanding an established portfolio, REI Freedom Capital will evaluate the people, property, and package to identify the program that best fits the deal.

We fund the deal. You take the credit.

Call 800-976-8813 or submit your project through www.reifreedomcapital.com to request a preliminary loan review.

All financing is subject to underwriting, valuation, credit approval, lender guidelines, and final loan documentation. Maximum leverage is not guaranteed.