Fix and flip financing has become one of the most powerful tools for real estate investors. With the right lender, you can fund both the purchase and renovation costs with minimal cash investment.
What is Fix and Flip Financing?
Fix and flip loans are short-term loans designed specifically for investors who purchase distressed properties, renovate them, and sell for profit. Zeus Commercial Capital offers Fix & Flip Loans with industry-leading terms.
Loan Structure
Purchase Financing
- Up to 90-95% Loan-to-Cost (LTC)
- Based on purchase price
- Quick closings in 10-14 days
Rehab Financing
- 100% of renovation costs
- Funds released in draws as work progresses
- Based on After-Repair Value (ARV)
Combined Leverage
Most lenders cap total leverage at 70-75% of ARV, ensuring you have equity protection.
Example Deal
Property Purchase: $200,000
Renovation Budget: $50,000
Total Project Cost: $250,000
ARV: $350,000
Financing:
- Purchase: $190,000 (95% LTC)
- Rehab: $50,000 (100%)
- Total Loan: $240,000
- Cash Required: $10,000 + closing costs
Qualification Requirements
Fix and flip loans focus on the deal, not your personal finances:
- Credit score: 640+ (some lenders accept lower)
- Experience: First-time flippers welcome with strong deals
- Down payment: 5-10% of purchase price
- Exit strategy: Clear plan to sell or refinance
The Fix and Flip Process
- Find the Property: Identify distressed properties with profit potential
- Analyze the Deal: Calculate ARV, renovation costs, and profit margin
- Apply for Financing: Submit deal to Zeus Commercial Capital
- Get Approved: Receive approval in 24-48 hours
- Close Quickly: Close in 10-14 days
- Renovate: Complete renovations with draw-based funding
- Sell or Refinance: Exit with profit or convert to rental
Beyond Fix and Flip
Zeus Commercial Capital offers a complete suite of financing solutions:
For Real Estate Investors:
- DSCR Loans for rental properties (no income verification)
- Business HELOC for flexible capital access
- DSCR Calculator for quick estimates
For Business Owners:
- Working Capital (MCA) for fast business funding
- Invoice Factoring for cash flow solutions
- Commercial Capital for comprehensive financing
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Start Your Next Flip
Contact Zeus Commercial Capital today:
- Phone: (800) 516-1153
- Address: 1515 Mockingbird Lane, Suite 420, Charlotte, NC 28209
- Facebook: facebook.com/zeuscommercial
AACFB Accredited • Veteran Owned • 15,000+ Funding Partners