Fast closing
Term sheets as soon as 10–15 days and closing in as little as 1–3 days.
Short-term investment financing
Fix & Flip Loans
Fast, flexible financing for residential renovation projects. Asset-based underwriting driven by the deal — purchase price, scope of work, after-repair value, and your exit.
Program at a glance
- $50K – $5M
- Loan amount
- 8.75%
- Starting rate
- 12–18 mo
- Loan term
- 90%
- Max purchase leverage
Overview
What is a fix & flip loan?
Short-term financing for investors who buy distressed or undervalued property, renovate it, and sell for profit. Approval is asset-based — driven by the property's after-repair value rather than W-2 income.
The purchase and 100% of the rehab are funded through a draw process, so your capital stays liquid across multiple projects. Every deal is reviewed individually: the property, the market, and the exit strategy.
Eligible property types
- Single family homes
- Condos
- Townhomes
- 2–4 unit properties
- PUDs
Ideal for
- Experienced investors looking to scale their portfolio
- First-time flippers with a solid renovation plan
- Investors targeting distressed or foreclosed properties
- Contractors and builders expanding into investment properties
- Partnerships and LLCs focused on property rehabilitation
Why choose No Limit Solutions
Program features.
100% rehab financing
Renovation costs funded through controlled draws as work is completed.
Flexible terms
12–18 month terms with extension options available.
No prepayment penalty
Pay off the loan early without additional fees.
Draw process
An efficient draw process that keeps the project moving.
Experienced team
Work with specialists who understand fix and flip deals.
Lending guidelines
Loan requirements.
- Loan amount
- $50,000 – $5,000,000
- Minimum FICO
- 660+
- Purchase financing
- Up to 90% of purchase price
- Rehab financing
- 100% of rehab costs
- Maximum ARV
- 70% of after-repair value
- Loan term
- 12–18 months
- Interest rate
- Starting at 8.75%
- Experience
- 1+ flips preferred
- Property types
- Residential 1–4 units
Lending guidelines
- Minimum credit score of 660
- Prior flip experience preferred but not required for strong borrowers
- Property must be residential 1–4 units
- Maximum loan-to-ARV of 70%
- Detailed scope of work and budget required
- Licensed contractor required for major renovations
- Title insurance and hazard insurance required
- Personal guarantee required
- No owner-occupied properties
- Properties in good title standing only
Required documents
- Completed application
- Government-issued ID
- Entity documents (if applicable)
- Purchase contract or proof of ownership
- Detailed scope of work and renovation budget
- Contractor bids and licenses
- Proof of funds for down payment and reserves
- Bank statements (last 2 months)
- Track record of previous flips (if applicable)
- Property photos and condition report
FAQ
Frequently asked questions.
Proof of funds and a term sheet as quick as an hour, closing in as little as 10–14 days.
No. Prior flips help with leverage and pricing, but first-time investors with a clear scope of work, a realistic budget, and a licensed contractor are considered.
Rehab funds are released through draws. You complete a stage of work, request the draw, the work is verified, and the funds are released — so your own capital stays liquid across projects.
Extension options are available on most programs. Flag the delay early and we work the extension before the maturity date rather than after it.
Yes. A refinance with rehab proceeds is available for properties you already hold, based on current value, the renovation scope, and the after-repair value.
Explore more
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$75K–$5M
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$100K–$50M
View programPortfolio Financing
$250K–$50M
View program
Ready to fund your next flip?
Send us the deal — purchase price, scope of work, and target after-repair value — and we will tell you what is realistic.