Fix-and-Flip Financing
Thinking About Flipping a Property? Here's How to Fund It.
A fix-and-flip loan covers the purchase price and renovation costs in one loan — so you can buy, renovate, and sell for a profit.
First-time flippers welcome | Close in as few as 7 days | We guide you through every step
See If You Qualify Is Your Flip a Good Deal? Find Out FreeBacked by 15+ Vetted National Lenders
New to Flipping? Here's What You Need to Know.
How flipping works: You buy a property below market value, renovate it, and sell it at a higher price. The difference (minus your costs) is your profit. A fix-and-flip loan finances both the purchase and the renovation.
Key terms you'll hear:
- ARV (After Repair Value): What the property will be worth after you finish renovating. This is how lenders (and you) judge if a flip is worth doing.
- Rehab budget: Your estimated renovation costs. The loan covers a portion of this and releases funds in stages as work gets done.
- Draw schedule: Instead of getting all the renovation money upfront, the lender releases it in chunks as you complete each phase of the project.
Not sure if your flip makes sense? Use our free Deal Evaluator — it uses the 70% rule (the same formula experienced flippers use) to tell you if the numbers work.
Why First-Time Flippers Choose SwiftPath
First-Time Flippers Welcome
You don't need experience to get started. We have programs for investors with zero completed deals — and we'll guide you through the process.
One Loan for Everything
The loan covers the purchase price and renovation costs together. No need to piece together multiple loans or use all your own cash.
Interest-Only During Renovation
You only pay interest on the money you've actually used — keeping your costs low while you renovate.
No Tax Returns Required
Approval is based on the deal itself, not your personal income. Great if you're self-employed or your W-2 doesn't tell the whole story.
Close in as Few as 7 Days
Speed matters in competitive markets. We move fast so you don't lose the deal to another buyer.
A Real Person Guides You
From your first call to your last draw, you'll have a dedicated guide who's done this before — not a call center.
"SwiftPath got me pre-qualified in under an hour and funded my flip in Dallas within 10 days. Their speed let me beat three competing offers."
Maria S. — Fix-and-Flip Investor, TX
How It Works
Tell Us About Your Deal
Property address, purchase price, rehab budget, and ARV.
Get a Same-Day Term Sheet
Transparent pricing, no hidden fees. Know your costs upfront.
Close & Start Renovating
Fast closing, reliable draws, and a team that has your back.
Get Pre-Qualified for Your Flip
60 seconds. No credit impact. No obligation.