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Get 100% financing for your next
Fix and Flip Project

Our 100% Fix & Flip loans allow investors to acquire and/or renovate multiple properties up to an approved amount (based on Business approval).

 

Home rehab loans for 100% of the purchase price & rehab costs, up to 75% ARV
No Income Verification
No Down Payment
Competitive Rates • Super-Fast Funding

 

Key Facts About Our Fix & Flip Loans - Fix & Flip Business Line of Credit

  • Prior experience required 3+ Deals

  • Line of Credit to buy Multiple Properties

  • Business approval for exposure limits up to $10MM with individual property loan amounts from $100K to $1MM

  • Financing for up to 100% of Purchase and renovation expenses

  • Interest reserves are required on a case-by-case

  • Soft Costs included in financing (contractor’s fees, contingency, permits, surveys, etc.)

  • 9-month Term with 3-month optional extension (extension fees apply)

  • FICO score 650 = 65% ARV

  • FICO score 700 = 70% ARV

  • 75% ARV – Based on the Following Criteria:

  • 1 completed project with NPL or 3 completed projects with another lender.

  • 1-4 residential units only

  • 700 FICO Score

  • No Pre-payment Penalty

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Documentation Required

  • Completed Application (with releases)

  • Business entity documents that name the people authorized to sign for the entity

  • Fully executed (signed by buyer and seller) agreement of sale.

  • 3 months most recent bank statements (business and personal)

  • Copy of driver’s license

  • An itemized list of repairs
     

Schedule a quick Consultation today!

 

Real Estate Fix and Flip Loan Purpose

Fix and Flip Loans are great products for small to large rehab projects, with no limit on rehab size. When applying for this loan National Private Lending also get you approved for a Real Estate Investing Line of Credit, which allows you to do multiple transactions simultaneously. Real Estate Fix and Flip Loans can be used for purchase and refinance transactions.

 

Why Choose a Fix & Flip Line of Credit?

  • The Fix & Flip Line of Credit is designed for investors who need funding for multiple flips and renovations.

  • Applying for a Fix & Flip Line of Credit is easy and allows investors to close Fix & Flip loans more quickly.

  • As you fund more property loans with us and gain experience, your terms will improve.

  • Fix & Flip Line of Credit allows you to do Extensive Rehab for larger Fix & Flip projects.

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Fix and Flip Loan Interest Rate vary depending on the risk of the loan so always feel free to give us a Call for a Quote, we'll ask you a few simple questions and we'll be able to give you a quote instantly.

 

Fix and Flip Loan Amount start at a minimum of $100,000 and it will go all the way up to $1,000,000 Million, if your property or project requires more ask about our Fix and Flip Plus (extensive track record is required).

 

Fix and Flip Loan Terms are 9 months as standard with an extended option of up to 12 months if you need to. (Subject to loan level pricing adjustment)

 

Fix and Flip Loans for real estate have 2 different types of structures you can choose from to finance your next investment property, 1. you can finance it under your individual name, or 2. you could do it under your corporation, LLC, or Entity you own. NPL Provides loans for business purposes only.

 

Our Fix and Flip Loans require no experience whatsoever, so new Fix and Flip real estate investors are welcome! As a side note, property loan pricing, leverage, and required reserves are determined by experience and other factors. Our 100% Fix and Flip Loans require 1 transaction completed with us or 3 completed with other lenders. New real estate investors are required to put a 20% to 25% down payment on their 1st transaction.

 

Refinance a Fix and Flip Property, if you are looking to refinance a Fix and Flip property and you are looking for Maximum Leverage, our REI Fix and Flip Loans are perfect for it. Up to 75% LTC / 75% LTV cash-out 🤯

 

Maximum Leverage for Purchases, Purchase a Fix and Flip Property with National Private Lending Loans for maximum leverage... up to 100% of the Purchase and 100% of your rehab cost🔥including soft cost.

 

One of the questions we get all the time from investors is, When do we use LTV vs LTC for real estate Fix and Flip loans? Well, Generally, we use the lesser of LTV or LTC calculation [Purchase Price + cost of work to be completed (verified and provided by Inspector)]

 

Fix and Flip Loans are specifically to buy - rehab and sell and we fund up to 100% rehab budget up to % Approved LTV of Total Costs including hard costs and soft costs, GC fees, contingency fees, and more.

 

REI Fix and Flip Loans you can use these for all your Non-owner-occupied properties or investments, including the following types: Attached or detached SFR, 2-4 unit properties, Multi-family 5 to 20 units, Mixed-use, and Condominiums.

 

Finally, Real Estate Fix and Flip Loans for Foreign Nationals are allowed up to 85% LTC or 70% LTV of the investment property, with the exception of ineligible countries, you can find a list of ineligible countries here.

 

Why Choose a Fix and Flip Line of Credit?

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  1. The Fix & Flip Line of Credit is designed for investors who need funding for multiple flips and renovations.

  2. Applying for a Fix & Flip Line of Credit is easy and allows investors to close Fix & Flip loans more quickly.

  3. Grow with us, as you fund more property loans with us and gain experience, your terms may improve. Extensive Rehab financing is available for larger Fix & Flip projects.

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Fix and Flip investors demand Flexibility and NPL's Delivers with our Standard rehab Loans.

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To Speak with a Sales Rep & Learn More About our Products:

Schedule a quick Consultation today!

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