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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

Get Your Fix & Flip Options

Investment Property Only • No Impact to Credit Score

1
Property
2
Contact
3
Verify
Step 1 of 3 — Loan Details

By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.

Investment Property Only • 660+ FICO • $200K+ Loans
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Step 2 of 2 — Contact Info

By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.

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Step 3 of 3 — Verify Your Number
🔒 One last step. We sent a 6-digit code to your phone. This verifies your number and ensures our lending specialists can reach you — no fake submissions.
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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
1

Inquire for Free

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

2

Upload Documents

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

3

Get Funded Fast

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

$4,360,500,920
Dollars Funded
8,196
Real Estate Loans
99.2%
Client Satisfaction
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
🌐

30+ Capital Sources, Not One

Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet routes your deal across 30+ capital partners to find the one with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.

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Investment Property Specialists

We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.

Speed Where It Matters

Bridge loans in 5–10 days. Fix & Flip in 7–14 days. DSCR in 21–30 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.

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Proven Track Record

10 years serving investors. $4.36B funded across 8,196 closed deals in 48 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.

🏛️
Proud Member
American Association of Private Lenders (AAPL)

We Are Here to Help

Contact one of our experienced loan specialists today.

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