RevCap fix-and-flip loans fund up to 90% of purchase and 100% of rehab on 1-4 unit properties, from $100,000 to $3,000,000 on a 12-month interest-only term.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | 1-4 unit residential: light and cosmetic rehabs, heavy rehabs, additions and ADUs. Lots of 3+ acres and rural locations are excluded. |
| Loan Limits & Terms | $100,000 to $3,000,000 (up to $4,000,000 by exception) | 12 months, extendable to 24 with approval | Interest-only | No prepayment penalty |
| Leverage Ratios (LTC/ARV) | Up to 90% of Purchase Price, 100% of Rehab Budget (Max 90% LTC, up to 93% subject to underwriting / 75% ARV). Borrowers without a completed project: 70% of purchase, 80% LTC, 60% ARV. |
| Structural Advantages | LOI within 24 hours, closings in as few as 10 days, and one named account executive per deal. A scope of work is required, so an itemized Rehab Estimator budget speeds the file. |
RevCap ground-up loans fund 1-4 unit new construction on permitted or permit-ready lots, from $100,000 to $3,000,000 at up to 85% blended LTC.
| Construction Feature | Structure & Terms |
|---|
| Project Types | 1-4 unit new construction on a permitted or permit-ready lot, built to sell or hold as a rental. Lots of 3+ acres and rural locations are excluded. |
| Loan Limits & Terms | $100,000 to $3,000,000 | 12 to 24 months | Interest-only | No prepayment penalty |
| Leverage Ratios (LTC) | Up to 75% as-is LTC on the initial draw (land or site prep) | Max 85% LTC blended across total project cost | Capped at 70% of as-completed value |
| Structural Advantages | The construction budget is held back and drawn as work is completed, with no fixed draw schedule. Building milestone dates in the FlipperForce Scheduler keeps draw requests lined up with the build. |
RevCap DSCR loans finance 1-4 unit rentals, portfolios of up to 20 properties and 5-30 unit multifamily on property cash flow, with no tax returns or personal income verification.
| Rental DSCR Feature | Structure & Terms |
|---|
| Property Types | Single-family and 2-4 unit rentals, portfolios of up to 20 properties on one loan, and stabilized 5-30 unit multifamily (single asset). Short-term and vacation rentals are excluded, as are properties inside Baltimore or Philadelphia city limits. |
| Loan Limits & Products | 1-4 unit: $100,000 to $3,000,000 | Multifamily: $350,000 to $5,000,000 (up to $10,000,000 by exception) | 30-year fixed or 5/6, 7/6, 10/6 ARM (interest-only on ARMs) |
| Leverage & Coverage | Up to 80% LTV purchase (720+ FICO) | Up to 75% LTV cash-out | Multifamily up to 74.99% LTV | Min DSCR 1.00x (1.10x portfolios; 1.20x multifamily) |
| Structural Advantages | Qualifies on property income with no tax returns. Prepayment options from 1 year at 3% to a 5-4-3-2-1 stepdown, with shorter prepay carrying a higher rate. Built for refinancing out of a bridge or rehab loan once the work is done. |
RevCap bridge loans cover stabilized 1-4 unit properties with no rehab, including bridges to a sale or a long-term DSCR refinance.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Stabilized residential bridge with no rehab, purchases and refinances, and bridging to a sale or a long-term refinance |
| Property Types | 1-4 unit residential. Lots of 3+ acres and rural locations are excluded. |
| Loan Limits & Terms | $100,000 to $3,000,000 | 12 months, extendable to 24 with approval | Interest-only | Contact for Rates | No prepayment penalty |
| Leverage Ratios (LTV/LTC) | Purchase: up to 90% LTP | Refinance: up to 75% of as-is value | Sized on the lesser of purchase price and as-is value |
| Structural Advantages | Borrowers can refinance out of a RevCap bridge or rehab loan into a RevCap DSCR loan once the work is done. Model the refinance in the FlipperForce BRRRR Analyzer before you close the bridge. |
