ARV Finance fix-and-flip loans fund up to 90% of purchase and 100% of renovation costs on San Diego residential investment properties with no appraisal required, same-day draws, and closings in as fast as 48 hours.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | Residential fix-and-flip investment properties in the San Diego, California market. SFR and residential investment properties. No owner-occupied. Business-purpose only (CFL #60DBO-208416). |
| Loan Limits & Terms | Terms up to 24 months | Interest-only, first-lien | Close as fast as 48 hours | No appraisal required | Business-purpose loans only |
| Leverage (LTC/ARV) | Up to 90% of purchase price | 100% of renovation costs | No appraisal required - deal evaluated on investment fundamentals and project plan |
| Draw Process | Same-day rehab draws - ARV funds draws the same business day submitted. Sync your FlipperForce project schedule around same-day draw releases to protect contractor payment timelines and eliminate draw lag entirely. |
| Structural Advantages | No appraisal required. Same-day draws. Close as fast as 48 hours. Founded and operated by San Diego's most experienced residential fix-and-flip investors. Dedicated loan officer from application through funding. Broker program available. Business-purpose only. |
ARV Finance ADU loans fund new construction and conversion projects at up to 85% leverage and 100% of the construction budget with same-day draws and 48-hour close capability - underwritten like a fix-and-flip loan, not a complex construction program.
| ADU Construction Feature | Structure & Terms |
|---|
| Project Types | ADU (Accessory Dwelling Unit) new construction and existing structure conversions in the San Diego, California market. Garage conversions, attached and detached ADU builds, and other unit additions. No owner-occupied. Business-purpose only. |
| Loan Limits & Terms | Terms up to 24 months | Interest-only, first-lien | Close as fast as 48 hours | No appraisal required | Same-day draws | Business-purpose only |
| Leverage (LTC) | Up to 85% leverage on acquisition | 100% of construction budget | Structured and underwritten like a fix-and-flip loan - fast process, high leverage, operator-friendly terms |
| Draw Process | Same-day draws on all construction phases. San Diego's active ADU market demands fast capital release - ARV's same-day draw system keeps GC payment schedules on track without holding project cash in reserve. |
| Structural Advantages | Underwritten like a fix-and-flip loan - not a complex construction draw structure. No appraisal required. Same-day draws. Close as fast as 48 hours. Purpose-built for San Diego ADU operators navigating California's active ADU legalization landscape. |
ARV Finance multifamily bridge loans cover up to 20 units with rates from 10-12%, up to 75% leverage on acquisition, 100% of the capex budget, and same-day draws for value-add projects up to 24 months in the San Diego market.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Value-add acquisition and rehab bridge on multifamily residential investment properties. Up to 20 units. San Diego market. Business-purpose investment properties only - not for personal, family, or household use. |
| Property Types | Multifamily residential investment properties up to 20 units. San Diego, California market. No owner-occupied. Fast approvals designed for operators who understand the local multifamily landscape. |
| Loan Limits & Terms | Terms up to 24 months | Rates from 10% to 12% | Up to 75% leverage on acquisitions | 100% of capital expenditure (rehab budget) | Same-day draws | Fast approvals |
| Structural Advantages | Fast approvals. Same-day draws on all capex phases. Close as fast as 48 hours. Built by operators - ARV understands multifamily renovation schedules and the capital velocity required to execute efficiently in San Diego's competitive market. |
