Fix & Flip Loan Application -

Fix & Flip Loan Application

First

Last

Phone

Date Of Birth

Social Sec

# of Flips Past 36 months

# of Rentals

# of Ground Up Projects

Estimated Credit Score

Purpose of the loan

# Of Units

% Occupied

Current As Is Value

Purchase Price / Land Cost if Land

Repair Cost or Constuction Cost

After Repair Value

Cash Invested to Date

Desired Loan

Subject Property Address

City

State

Zip

Property Type

Date Purchased (If owned)

Are you a US Citizen

Yes No

Have you filed for bankrupcy in the past 36 months

Yes No

Summarize Transaction

Fix and Flip Loans: Fund the Purchase and the Rehab

A fix and flip loan is short-term financing built for investors who buy a property, renovate it and sell it for a profit. It covers both the purchase and the repair budget, so you can take on a project without tying up all of your own cash. Approval focuses on the deal: the price you pay, the work you plan and what the finished home will be worth.

Cambridge Capital offers fix and flip financing for first-time flippers and seasoned renovators alike. Call 800-826-5077 or read more about our fix and flip loans to review your next project.

How a Fix and Flip Loan Works

You submit the purchase price, your rehab budget and the after-repair value (ARV). We fund the acquisition at closing and hold the rehab money in reserve. As each stage of work is finished, you request a draw and the funds are released. When the renovation is done, you sell the property and repay the loan from the proceeds, or refinance into a rental loan if you decide to keep it.

Key Features of Fix and Flip Loans

Purchase and rehab in one loan: finance the acquisition and the renovation together.
High leverage: up to 90% of the purchase and 100% of the rehab costs, based on the deal.
Draw-based rehab funding: money is released as work is completed.
Interest-only payments: keep monthly costs low while the project is under way.
Fast closings: win off-market deals, auctions and competitive offers.
Terms built for flips: typically 6 to 18 months, with extension options where available.
Experience-friendly: programs for first-time flippers and repeat investors.
Light documentation: the deal carries the file, not tax returns and pay stubs.

Fix and Flip Profit Calculator

Test a deal before you make an offer. Enter your numbers to see the loan, your cash needed, financing and selling costs, and your estimated profit. The rate, points and costs shown are examples, not an offer.

Purchase price ($)

Rehab budget ($)

After-repair value, ARV ($)

Months to renovate and sell

Purchase financed (%)

Rehab financed (%)

Interest rate (%)

Origination points (%)

Monthly holding costs ($)

Selling costs (% of sale price)

Total loan amount
Cash you invest (down payment + fee + holding costs)
Interest until sale (fully drawn)
Origination fee
Holding costs
Selling costs
Estimated net profit
Return on cash invested
70% rule maximum purchase price

This calculator is for illustration only and assumes the full loan is drawn from day one. Actual rates, points, leverage, costs and profit depend on the property, market conditions and how the project performs.

Why Choose a Fix and Flip Loan?

Do more deals with less cash: finance most of the purchase and all of the rehab, and keep capital for the next project.
Buy what banks will not: outdated, damaged or vacant homes are the core of the business.
Close with confidence: a fast, certain close helps you win the property at a better price.
Pay for work as it happens: draws match your funding to your construction schedule.
Stay flexible at the exit: sell for profit, or refinance and keep the property as a rental.

Fix and Flip Loans vs. Other Financing

Feature	Fix and Flip Loan	Hard Money Loan	Bank Renovation Loan	HELOC / Personal Funds
Built for	Buy, renovate and resell	Fast, asset-based purchases	Owner-occupants renovating	Small projects with equity
Rehab funding	Up to 100% in draws	Varies by deal	Included, with strict rules	Limited by equity or cash
Time to close	As few as 5 days	As few as 5 days	45 to 60 days	Varies
Term	6 to 18 months	6 to 24 months	15 to 30 years	Revolving
Approval based on	Deal and ARV	Property value	Income, credit, appraisal	Income and home equity
Investor friendly	Yes	Yes	Often owner-occupied only	Depends on the lender

Fix and flip loans cost more per month than bank financing, but flips are short projects. A fast close, high leverage and rehab draws often mean more profit than a cheaper loan that arrives too late or covers too little.

Who Are Fix and Flip Loans Best For?

These loans fit full-time flippers, first-time investors with a solid renovation plan, contractors who flip on the side, wholesalers moving into rehabs and landlords who renovate before renting. If you have a clear scope of work, a realistic ARV and a plan for selling, a fix and flip loan can fund the whole project.

Other Real Estate Loan Options

Not sure which loan fits your plan? Explore our other investment property programs:

DSCR Loans Planning to keep the property? Refinance after the rehab into long-term rental financing. Learn more Hard Money Loans Asset-based funding for fast purchases, including properties that need heavy work. Learn more Bridge Loans Short-term funding to close now while you line up a sale or longer-term financing. Learn more Ground-Up Construction Loans Build new instead of renovating, with funds released in draws as each phase is completed. Learn more Multifamily Loans Financing for apartment buildings and 5+ unit properties, based on the income they produce. Learn more Vacation Rental Loans Finance Airbnb and VRBO style properties using projected short-term rental income. Learn more Commercial Real Estate Loans Purchase or refinance office, retail, industrial and mixed-use properties. Learn more

Ready to Start Your Next Flip?

Complete the application above or call 800-826-5077. Send us the property, your rehab budget and your ARV, and we will help you structure the loan.

Explore Fix and Flip Loans