Fix and Flip Loans for Real Estate Investors – LendingStreet

Investment Property Only · Not Primary Residence

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Fix and Flip Loans for Real Estate

Get $150K to $5M+ in 5 Days

Close in Days · 100% Rehab Financing · No Impact to Credit Score

Top Rated Fix & Flip Lender

Up to 95% LTC Financing

100% Rehab Cost Coverage Available

Rates as Low as 9.99% Interest

Close in as Little as 5 Business Days

No W-2 or Tax Returns Required

→ Try Our Free Fix & Flip Deal Analyzer

Get Your Fix & Flip Options

Investment Property Only • No Impact to Credit Score

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Step 1 of 3 — Loan Details

* Loan Type

* Property State

* Loan Amount

* Credit Score

* Loan Purpose

* Property Type

Investment Property Only • 660+ FICO • $200K+ Loans

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Step 2 of 2 — Contact Info

* First Name

* Last Name

* Email Address

* Phone Number

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Step 3 of 3 — Verify Your Number

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Application Received!

A loan specialist will contact you within 1 business day with your financing options.

Top Rated Fix & Flip Lenders

Why Get a Fix & Flip Loan
with LendingStreet

LendingStreet connects you with top-rated hard money lenders who specialize in fix and flip financing. With rates starting at 9.99%, approval in as little as 48 hours, and closings in as few as 5 days, our fix and flip program is built for investors who move fast.

Our lenders offer up to 95% of the purchase price and up to 100% of renovation costs — so you can acquire and renovate with minimal cash out of pocket. No W-2s, no tax returns, and no DSCR requirements.

Get My Fix & Flip Options →

Fix & Flip Loan

Fund acquisitions and renovations with maximum leverage and fast closings

6 to 24 Month Terms

$150K to $5M+

Up to 95% LTC

Up to 100% Rehab Financing

No W-2 or Tax Returns

Close in as Few as 5 Days

Get My Fix & Flip Options →

✓ 85% Approval Rate

Investor Insights

Why Investors Choose Fix & Flip Financing

Closed my flip in Brooklyn in 7 days. Three competing term sheets within 24 hours of submitting. Nothing else comes close to this speed.

Marcus T.

Fix & Flip Investor · New York, NY

100% of my rehab costs were funded. I didn't have to bring a dollar to the table for the renovation. The deal worked because of this program.

Sandra K.

Real Estate Investor · Atlanta, GA

I've done 23 flips and LendingStreet's network gives me better rates than anywhere else I've tried. Fast, professional, and reliable.

James R.

Serial Flipper · Dallas, TX

Process

Apply in 3 Easy Steps

Inquire for Free

Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.

Upload Documents

Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.

Get Funded Fast

Receive your loan offer with competitive rates and terms. Funds deposited directly to your account — as fast as 5 business days.

FAQ

Fix & Flip Loan FAQs

What is a fix and flip loan? ▼

A fix and flip loan is short-term financing (6–24 months) that covers both the purchase price and renovation costs of an investment property. It's designed for investors who buy distressed properties, renovate them, and sell for a profit. These loans close faster than conventional financing with less documentation required.

How much can I borrow for a fix and flip? ▼

Our lenders finance from $150K to $5M+. Most programs offer up to 90–95% of the purchase price and up to 100% of renovation costs, subject to an LTV cap based on the After Repair Value (ARV) of the property — typically 65–75% ARV.

Do I need a W-2 or tax returns? ▼

No. Fix and flip lenders use asset-based underwriting. They evaluate the deal — the property's purchase price, rehab budget, and ARV — not your personal income. Self-employed investors and those without W-2 income qualify regularly.

What credit score do I need? ▼

Our programs are designed for investors with 660+ FICO. Some lenders may work with scores as low as 620 with compensating factors such as strong experience, lower LTV, or larger down payment.

How fast can I close a fix and flip loan? ▼

Most fix and flip loans in our network close in 7–14 business days. Expedited closings in 5 days are available for experienced investors with clean deals and organized documentation.

Is experience required? ▼

No. First-time flippers can qualify. More experience typically results in better rates and leverage. Programs exist for all experience levels — from first-time investors to those with 50+ flips completed.

Why LendingStreet

Why Choose LendingStreet

⚡

Fast Approvals & Funding

Pre-approvals in 48 hours. Our lender network moves at the pace your deal requires — funding as fast as 5–7 business days.

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Lowest Cost

Our infrastructure keeps rates and fees 25–50% lower than most competitors — for every investor level, credit tier, and deal size.

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Simplified Process

End-to-end from application to funding is smooth, transparent, and stress-free. No unnecessary paperwork. No runaround.

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10+ Years Experience

Over a decade serving real estate investors. Thousands of funded deals. Our lender relationships are unmatched.