At REIF Loans, we help investors move quickly with short-term fix and flip financing designed for property purchases, rehabs, and profitable resales.
Whether you’re an experienced flipper or tackling your first renovation, our investor-focused loan programs make it easier to fund both acquisition and construction all in one place.
A fix-and-flip loan is a short-term real estate investment loan that finances the purchase and renovation of a property before resale. It’s built for investors who buy undervalued homes, improve them, and sell for a profit.
Unlike traditional mortgages, fix and flip loans are asset-based. That means approval depends on property value and project potential rather than personal income or tax returns.
Fix and flip loans are designed to help investors act quickly in competitive markets. They provide fast capital, flexible terms, and simple underwriting so you can focus on the project, not the paperwork.
We help you close in days, not weeks, so you never miss a profitable opportunity.
One loan covers both acquisition and construction, eliminating the need for multiple financing sources.
Lower monthly costs during renovation free up more money for materials and labor.
Loans are based on after-repair value (ARV) and project scope, not personal income.
Sell or refinance easily once the project is complete.
Build relationships with our lending network and access improved terms over time.
At REIF Loans, we understand that every renovation project is different. That’s why we offer a range of short-term financing solutions built to support investors at every level from quick cosmetic upgrades to full-scale property transformations.
Ideal for investors who need quick access to funds between purchase and sale, this flexible loan bridges the gap during the renovation or listing phase. It gives you time to complete upgrades and position the property for top-dollar resale.
Private capital for serious investors. This program delivers quick closings and fewer documentation requirements, helping you secure deals in competitive markets or time-sensitive situations where traditional lenders can’t move fast enough.
When your flip becomes too good to sell, this option makes it simple to transition into a long-term investment. Refinance into a stable product like a DSCR or conventional loan and turn your completed project into a reliable income-producing asset.
Our streamlined process makes applying for a fix and flip loan simple, fast, and transparent from start to finish.
Yes. REIF Loans can finance both the purchase price and 100% of approved renovation expenses. Funds are typically released in stages, or “draws,” as the project reaches completion milestones verified by inspections.
Most fix and flip loans have short terms ranging from 6 to 18 months, depending on project size and complexity. Extensions are available if your renovation or sale takes longer than expected.
These loans are asset-based, meaning qualification depends on the property’s potential value and projected profitability rather than personal income or tax returns. Lenders primarily evaluate the property’s After-Repair Value (ARV) and your exit strategy.
While minimum requirements vary, most programs require a credit score of 620 or higher. Borrowers with scores above 680 often qualify for better rates and higher loan-to-cost (LTC) ratios.
Loan amounts typically range up to 90% of the purchase price and 100% of rehab costs, subject to maximum limits based on ARV. The total loan amount generally does not exceed 75% of the property’s projected after-repair value.
No, experience isn’t mandatory, but it helps. New investors can qualify by working with licensed contractors, submitting a clear rehab budget, and providing a strong exit strategy. Experienced flippers may receive faster approvals and better terms through repeat investor programs.
REIF Loans can close most fix and flip loans in as little as 10 to 14 days, depending on property condition, appraisal scheduling, and document readiness. Our streamlined underwriting process ensures speed without sacrificing due diligence.
If your renovation takes longer than planned, extension options are available. Many investors also refinance into DSCR loans or conventional investment property loans once the project is stabilized and generating income.
Yes. After renovations are complete, you can transition into a long-term financing product such as a DSCR loan or rental property mortgage. This “fix and hold” strategy lets you keep high-performing assets for ongoing cash flow.
