GPS Capital fix-and-flip loans fund the purchase and renovation of investment properties sized off after-repair value, on a 12-month interest-only term built to match a one-year flip.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | Single-family houses, townhouses, condos (including non-warrantable condos), 2-4 unit and 5+ unit multifamily, and mixed-use properties. |
| Loan Limits & Terms | $500,000 to $20,000,000 | 12 months | Interest-only | 8.99% to 12.99% rate | 2 points origination |
| Leverage Ratios (LTC/ARV) | Up to 70% of ARV, with both purchase and rehab financed. Separate purchase and rehab advance rates are not published: confirm current LTC directly with GPS Capital. |
| Structural Advantages | No minimum credit score and no income verification. Appraisal not always required thanks to in-house valuation. Track every rehab dollar against your original estimate in the FlipperForce Project Budgeter so draw requests are backed by real line-item costs. |
GPS Capital funds ground-up residential construction, including infill, teardown-and-rebuild, and spec projects, with draws released against completed work.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Residential infill, teardown-and-rebuild, spec homes, and high-end luxury and waterfront spec builds. Recent closings include a $1,828,000 ground-up purchase in Paramus, NJ. |
| Loan Limits & Terms | $500,000 to $20,000,000. Construction-specific rates and terms are not separately published: confirm directly with GPS Capital. |
| Leverage Ratios (LTC) | Land and construction budget advance rates are not published: confirm current LTC parameters directly with GPS Capital. |
| Structural Advantages | Funded in draws against completed work. Experienced sponsors and first-time builders with the right deal are both considered. Build your milestone dates in the FlipperForce Scheduler so draw requests line up with the contractor critical path. |
GPS Capital short-term bridge loans carry a property from acquisition or refinance to a sale or permanent financing, including cash-out refinances and foreclosure or bankruptcy bailouts.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | As-is purchases, cash-out refinances, transitional holds ahead of permanent financing or a sale, foreclosure bailouts, bankruptcy bailouts, and land loans on a case-by-case basis. |
| Property Types | Single-family, condos, 1-4 unit and 5+ unit multifamily, luxury and waterfront homes, mixed-use, retail, office, industrial, warehouse, and self-storage. Business-purpose investment property only; owner-occupied primary residences are not eligible. |
| Loan Limits & Terms | $500,000 to $20,000,000 | 12 months | Interest-only | 8.99% to 12.99% rate | 2 points origination |
| Leverage Ratios (LTV) | Maximum leverage of 70%, sized off after-repair value. Separate caps for cash-out refinances are not published: confirm directly with GPS Capital. |
| Structural Advantages | Term sheet the same business day, and well-documented deals close in as little as 5 to 7 business days. GPS has closed a land purchase in three days with no appraisal. If the exit is a rental refinance, model projected cash flow in the FlipperForce BRRRR Analyzer before you commit to the bridge. |
