Windstone fix-and-flip loans fund up to 90% of purchase and rehab costs with 100% LTC, no appraisal, no minimum credit score, and 1-2 day closes. Construction draws funded in 1 day with interest charged only on drawn funds. Initial 6-month terms with no prepayment penalty.
| Fix & Flip Feature | Structure & Terms |
|---|
| Max Leverage | Up to 90% of purchase + rehab costs | Up to 100% loan-to-cost |
| Loan Term | Initial terms up to 6 months |
| Payment Structure | Interest only | No interest charged on undrawn rehab funds |
| Speed to Close | 1 to 2 day closes | Same-day possible in select scenarios |
| Construction Draw Funding | 1-day draws |
| Appraisal Required | No appraisal |
| Min Credit Score | No minimum credit score |
| Prepayment Penalty | None - no minimum interest requirement |
| Exit Strategy | Flip (sell) or refinance with bank or mortgage lender of choice |
Windstone bridge loans close in 1-2 days with up to 100% LTC, no appraisal, no minimum credit score, and no prepayment penalty. Serves investors bridging the gap between property acquisition and long-term bank financing across 8 Southeast and Midwest states.
| Bridge Loan Feature | Structure & Terms |
|---|
| Max Leverage | Up to 100% loan-to-cost |
| Loan Term | Initial terms up to 6 months |
| Payment Structure | Interest only | No prepayment penalty | No minimum interest |
| Speed to Close | 1 to 2 business days | Same-day transactional funding available in qualifying states |
| Appraisal Required | None |
| Min Credit Score | No minimum |
| Use Cases | Acquisition bridge (before bank loan closes), same-day transactional funding for wholesalers in good-funds states |
| States Served | OH, IN, KY, AL, SC, NC, GA, AR |
