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Rehab investors

Fix-and-Flip Financing for Real Estate Investors

Short-term financing options for investors buying, renovating, and reselling non-owner-occupied residential properties.

Purchase and renovation financing structure
Interest-only short-term payment planning
Draw process based on completed work

Financing built around the project

Fix-and-flip financing is designed for investors who need to acquire, improve, and exit a property quickly. The structure is different from a long-term rental mortgage because the loan needs to account for purchase price, rehab budget, after-repair value, timeline, and draw management.

The goal is simple: make sure the capital stack supports the project from closing through resale or refinance.

When it can make sense

This type of financing can help when an investor is buying a distressed or under-improved property, needs renovation capital, and has a clear plan to sell or refinance after repairs. Terms often focus on experience, credit, liquidity, scope of work, property value, and the exit strategy.

How the draw process works

Renovation funds are typically reimbursed in stages. After a portion of work is completed, the investor submits a draw request with supporting documentation. The project is reviewed, often with an inspection, and approved funds are released according to the program process.

What to prepare

Bring the purchase contract, scope of work, budget, contractor details, estimated after-repair value, timeline, entity documents if applicable, proof of funds, and your exit plan.

Fix-and-flip guidelines can change quickly. I will help review current leverage, credit, experience, draw, fee, and term options before you commit to a project.

Common questions

FAQ

What is a fix-and-flip loan?

A fix-and-flip loan is short-term investor financing for buying and renovating a non-owner-occupied property with a planned sale or refinance exit.

Do new investors qualify?

Some programs may consider newer investors, while experienced investors may have access to stronger terms. The exact fit depends on credit, assets, project scope, and property details.

How are renovation funds released?

Renovation funds are commonly released through draws after completed work is reviewed through inspections and required documentation.

What property types can be considered?

Eligible property types may include single-family homes, townhomes, PUDs, condos, and 1-4 unit residential properties, depending on program guidelines.