📞 (877) 298-1001 · Lending in Los Angeles, CA · NMLS #1734316 30+ Capital Sources · Investment Property Only
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Fix & Flip Loans · Los Angeles, CA

Fix & Flip Loans in Los Angeles
90% LTC. 100% Rehab. 7-Day Close.

Los Angeles is one of the most active fix and flip markets in the United States. Institutional capital deployed substantial volume here in 2025. LendingStreet brings the same caliber of capital to independent Los Angeles flippers — without forcing you into a single-source lender's box.

Check My Los Angeles Rate →
9.75%
From Rate
90%
Max LTC
100%
Rehab Funded
7 Days
To Close

Fix & Flip Loan Key Facts

Why Los Angeles Is a Top Fix & Flip Market

Los Angeles is the #7 institutional fix-and-flip city in the United States. While LA has the highest entry prices of any top-10 flip market, ROI is driven by absolute dollar gains rather than percentage — a $200K profit on a $1.2M flip moves the needle for serious investors.

LA flips work in specific submarkets where the gap between distressed-condition acquisition and renovated retail value remains wide despite the elevated price point. Inland submarkets and value-add neighborhoods deliver more accessible entry points than the coastal core.

Los Angeles flip market snapshot (2026)

Median home price: $895K · Avg flip ROI: 20-28% · Days on market: 30-60 · Investor activity: Very High · 2025 institutional flip loan volume in metro: #7 institutional flip market, 273 funded loans

Top Los Angeles Submarkets for Flippers

Active Flip

Highland Park

Eastside revitalization. Median $895K. Sustained gentrification.

Active Flip

Eagle Rock

Family-area gentrification. Median $1.05M.

Value-Add

East Los Angeles

Lower entry ($625K). Higher ROI percentage.

Premium

Silver Lake / Echo Park

Established premium. Median $1.4M+.

Inland Value

San Fernando Valley

Median $795K. More accessible entry vs westside.

Cash Flow

Inglewood

Median $725K. Active flip market with stadium-driven appreciation.

Fix & Flip Loan Terms in Los Angeles

Loan Amount
$150K–$5M+
Per project
Starting Rate
From 9.75%
Interest-only
Max LTC
90%
Of purchase price
Rehab Financing
100%
Drawn in stages
Min Credit
660
640 with 2+ flips
Term
12-18 mo
Interest-only
Max ARV
75%
After-repair value
Close Time
7-10 Days
Bridge structure

Los Angeles-Specific Considerations

CA Licensing Verification

Always verify LendingStreet active licensing in California with the loan officer before underwriting a CA deal. Licensing varies by lender on capital network.

Permits Are Slow

LADBS permitting can extend timelines to 4-12 weeks for major work. Budget realistic permit timelines and consider over-the-counter eligible scopes.

Higher Carrying Costs

LA flip carrying costs (taxes, insurance, utilities) on $800K+ inventory are substantial. Run carrying cost analysis carefully.

Buyer Demand Cycles

LA buyer demand can shift quickly with rate environment. Have a BRRRR rental exit plan as fallback — LA rental yields are weaker but strategic for hold-and-wait.

Los Angeles Fix & Flip FAQ

How fast can a fix and flip loan close in Los Angeles?▼
7-10 days from complete application is standard. Los Angeles's competitive market makes speed essential — bridge-structured fix and flip loans don't require a traditional appraisal (just a broker price opinion), which is the key speed advantage.
What's the minimum down payment for a Los Angeles fix and flip?▼
10% of purchase price as down payment, plus closing costs. Rehab is 100% financed in draws as work completes. So a $400K Los Angeles flip with $80K rehab budget needs about $45K down (10% + closing) to acquire and renovate.
Can first-time flippers qualify in Los Angeles?▼
Yes. First-time flippers can qualify, especially in Los Angeles markets where comparable sales data is strong. Pricing is best for borrowers with 2+ completed flips, but experience isn't required.
What property types qualify in Los Angeles?▼
Single family (1-4 unit), townhomes, multifamily, and some condos. The property must be for investment only — no primary residences. Ground-up construction projects use a separate construction loan product.
Can I refinance my Los Angeles flip into a long-term rental loan?▼
Yes — this is the BRRRR strategy and it's common in Los Angeles's neighborhoods where rental yields are strong. LendingStreet finances the initial flip, then refinances into a 30-year DSCR rental loan once the property is stabilized.

Related Los Angeles Investor Resources

Get Your Los Angeles Fix & Flip Rate Today

Speak with a financing specialist who knows the Los Angeles flip market. Pre-qual in 24 hours. Close in 7-10 days.

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