Fix & Flip Loans
$75K – $3M
Loan Amount
Up to 90%
Of Purchase Price
12 – 18 Months
Term Length
7-10 Days
Closing Time
Tailored Financial Solutions for Real Estate Investors
RCA Capital provides tailored financing solutions for real estate investors looking to purchase, renovate, and sell properties for profit. We understand the unique needs of fix and flip investors and offer flexible loan options to help you achieve your investment goals.
What Are Fix & Flip Loans?
Fix and flip loans, also known as rehab loans or renovation loans, are short-term financing options designed specifically for real estate investors who purchase distressed properties, renovate them, and then sell them for a profit. These loans typically have higher interest rates and shorter terms compared to traditional mortgages, but they provide investors with the necessary capital to fund their projects quickly. Renovation loans can also be used for a property already owned that an investor is seeking to renovate.
Eligible Property Types
We finance fix-and-flip projects on a variety of residential property types.
Single Family
Townhomes
Condos
2-4 Units
Fix & Flip Loan Terms
Competitive rates and high leverage designed for profitable flips.
Loan Amount
$100,000 – $2,000,000
Loan-to-Purchase Price
Up to 90%
Rehab Financing
Up to 100% of budget
Maximum Loan-to-ARV
75%
Term Length
12 – 18 months (extensions available)
Interest Rates
Starting at 9.5%
Payment Structure
Interest-only monthly payments
Closing Time
7-10 business days post apprisal
Origination Fee
1% – 3%
Minimum Credit Score
650
Sample Fix & Flip Deal
See how our financing structure works on a real flip scenario.
Single Family Flip (Atlanta, Georgia)
Purchase Price
$185,000
Rehab Budget
$65,000
Total Loan Amount
$231,500
Cash to Close
$28,500
After Repair Value (ARV)
$310,000
Estimated Profit
$52,000+
Fix and Flip Loan Programs
Eligible property types: Non-Owner Occupied 1 to 4 Family, Condos, Townhomes, and 5 plus Apartment Buildings
12 to 18 month terms
Loan amounts $100K up to $3MM
Loan To Value up to 95% of the Purchase Price and 100% of the Rehab Cost; Not to Exceed 75% of the ARV
Rates starting at 9.49%
Minimum Credit Score of 650
No Pre-Payment Penalty Options
Interest paid only on funds used
How to Get Started
Ready to fund your fix and flip project? Getting started is easy:
Consultation & Pre-Approval
Contact us to schedule a consultation with one of our experienced loan officers. We'll discuss your investment goals and tailor a loan solution to meet your needs, then issue a pre-approval immediately.
Application & Processing
Complete our simple online application or speak with one of our loan officers to begin the application process. We gather all necessary supporting documentation.
Approval & Funding
Once your loan is approved by underwriting, our team will work quickly from closing and initial funding to subsequent advances for renovating your property without delays.
Approval & Funding
Once renovations are complete, sell your property for a profit and repay your loan, or refinance into a traditional mortgage for long-term ownership.
Frequently Asked Questions
Common questions about our fix and flip loan program.
Can I get 100% financing on a fix and flip?
We provide up to 90% of the purchase price and 100% of rehab costs, capped at 75% of ARV. Experienced flippers with strong track records may qualify for a slightly higher leverage.
I'm a first-time flipper. Can I still qualify?
Yes! We work with new investors every day. For first-time flippers, leverage is slightly decreased.
How quickly can I get rehab draws?
Once you submit a draw request with photos documenting completed work, we typically complete inspection within 24-48 hours. Funds are wired within 1-2 business days of approval. We’ve designed the process to keep your project moving.
Is there a personal guarantee required?
Yes.
What if my renovation goes over budget?
We recommend building a minimum 10% to 15% contingency into your budget. Talk to your loan officer early if you anticipate overages.
Can I refinance my flip into a rental instead of selling?
Absolutely! This is called the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat). Once your renovation is complete and the property is stabilized, you can refinance into one of our DSCR loans for long-term rental financing.
