Fix-and-flip and rental rehab loans at up to 90% of cost and 75% of ARV, with a 12-month term, two 6-month extensions and draws in 24 to 48 hours.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | 1-4 unit residential investment properties, condos, rental rehabs, and manufactured homes on a permanent foundation deeded with the land |
| Loan Limits & Terms | From $50,000 | 12 months with two 6-month extensions | 10.5% to 12.0% | 2.0 to 2.5 points ($3,500 min) | $1,295 admin fee |
| Leverage Ratios (LTC/ARV) | Up to 90% LTC / 75% ARV, with a minimum of 10% cash at closing |
| Structural Advantages | Interest only on drawn funds, no draw fees and no prepayment penalty on most loans. Draws can be based on completed work, materials on site or invoices ready to pay, so a clean budget in the FlipperForce Project Budgeter speeds each request. |
Residential and commercial construction loans for spec and pre-sold builds at up to 80% to 90% LTC, with draws funded in 24 to 48 hours.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Spec and pre-sold homes, duplexes through 4-unit builds, commercial construction, and land development |
| Loan Limits & Terms | $50,000 to $5,000,000 | Residential 12 months with two 6-month extensions, commercial 12 to 18 months | 10.5% to 12.0% residential, 11.0% to 12.0% commercial | 2.0 to 3.0 points | $1,495 admin fee |
| Leverage Ratios (LTC) | Up to 80% to 90% LTC | Up to 75% LTV of as-complete value (residential), 70% to 75% (commercial) |
| Structural Advantages | Draws in 24 to 48 hours with no draw fees, plus a land division holdback for approved partition costs. Map build milestones in the FlipperForce Scheduler to keep draw timing predictable. |
Residential and commercial bridge loans for purchases, refinances and land, from $50,000 to $5,000,000 at up to 75% LTV.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Fast purchases, refinances, bare land acquisition and refinance, and cash-out rental holdbacks for BRRRR acquisitions |
| Property Types | 1-4 unit residential, multifamily, retail, office, industrial, hospitality, mixed-use and land. No owner-occupied primary or second homes. |
| Loan Limits & Terms | $50,000 to $5,000,000 | Residential 6 to 24 months, commercial 6 to 36 months | 10.0% to 12.0% | 1.5 to 4.0 points ($3,500 min) | $995 admin fee | No prepayment penalty on most loans |
| Leverage Ratios (LTV/LTC) | Residential: up to 75% LTV | Commercial: up to 70% to 75% LTV and 80% to 90% LTC, with a 1.25 DSCR at stabilization |
| Structural Advantages | Equity unlock through cross-collateralization and two 6-month extensions on residential bridge loans. BRRRR investors can model the refinance exit in the FlipperForce BRRRR Analyzer. |
