Fix and Flip Loans
Rapid & Reliable Capital for Your Real Estate Renovation Projects
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*Serving investors nationwide with competitive fix & flip financing.
Service Snapshot: Fix & Flip Loan Features
| Feature | Details for Fix & Flip Investors |
|---|---|
| Primary Loan Types | Fix & Flip, Rehab Loans, Value-Add Projects, Bridge Loans |
| Typical Funding Time | 5-10 Business Days (as fast as 3 for qualified projects) |
| Loan-to-Value (LTV) | Up to 75% ARV (After Repair Value) on purchase and rehab costs |
| Target Property Types | Single-Family Homes, Multi-unit (2-4 units), Distressed Properties, Residential Rehabs |
Why Investors Choose Waterman Capital for Fix & Flip Loans
The fix & flip market offers immense profit potential but demands quick decisions and strategic financing. Traditional lenders often don't understand the unique needs of renovation projects, leaving investors to miss out on lucrative opportunities.
Waterman Capital offers a strategic advantage for your fix & flip projects:
- Speed & Efficiency: Our streamlined process ensures you can secure properties quickly and access funds for renovations, often closing within 3-10 business days. Essential for competitive markets and getting your project started fast.
- Flexible Funding for Rehab: We fund both the acquisition and renovation costs, basing our loan on the After Repair Value (ARV), allowing you to maximize leverage and profit.
- Project-Focused Approach: We understand the nuances of renovation projects. Our loans are designed for investors looking to add value, and we focus on the project's potential rather than just personal credit history.
Frequently Asked Questions About Fix & Flip Loans
What is a fix & flip loan and why is it ideal for renovation projects?
A fix & flip loan, also known as a rehab loan or bridge loan, is a short-term, asset-based loan specifically designed for real estate investors who purchase properties, renovate them, and then sell them for a profit. It's ideal because it provides quick capital for both acquisition and repair costs, focusing on the property's potential value rather than traditional borrower qualifications, which is crucial for time-sensitive renovation projects.
How quickly can I get funding for my fix & flip project?
Speed is critical in fix & flip. We pride ourselves on rapid processing, often funding loans in as little as 3-5 business days for qualified projects, with most closing within 7-10 business days. This allows you to seize opportunities and start your renovation without delay.
What does "ARV" mean in the context of fix & flip loans?
ARV stands for "After Repair Value." This is the estimated market value of a property *after* all planned renovations and repairs have been completed. Fix & flip loans are typically structured based on a percentage of the ARV, allowing investors to borrow against the future value of the property, including the cost of repairs.
Do you fund the renovation costs as part of the fix & flip loan?
Yes, absolutely. Our fix & flip loans are comprehensive. We provide capital for both the initial property acquisition and a budget for the renovation work. The rehab funds are typically released in draws as construction milestones are met, ensuring you have the necessary capital throughout your project.
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