Fix and Flip Loans: How Investors Fund the Buy and Rehab
By Travis Penny, mortgage broker ·
Last updated October 15, 2026
If you want the program page, start with my fix and flip loans page.
What is a fix and flip loan?
It is short term investor financing for purchase and renovation when your plan is to sell. Funds for rehab usually come out in draws after inspections.
Who is a fix and flip lender?
I am a mortgage broker. I shop wholesale lenders that fund investor rehabs. Send me the address, budget, timeline, and your experience.
What do I need to start?
Purchase details, rehab scope and budget, after repair value estimate, credit range, liquidity, and a clear exit to sell.
Where can I use it?
Investment property only. This is not a loan for a home you will live in.
Next step
See if you qualify, contact me, or Apply from any page header.
FAQ
- Can I get a fix and flip loan with little experience?
- Some programs want a track record. Tell me your history and I will match a lender whose rules fit. Not everyone will qualify.
- Does a fix and flip loan include rehab money?
- Usually yes, paid in draws after inspections.
- Can I live in the house while I renovate?
- No. These are business purpose investor loans.
- What happens when the rehab is done?
- You sell, or refinance into a longer term loan if you decide to hold it.