Up to 90% of the purchase price and 100% of rehab costs covered. Our loans are asset-based, with no tax returns or income verification, so we underwrite the deal in front of you.
Free quote · no credit pull required · fund in as few as 5 days.
A fix and flip loan is a short-term, interest-only loan that pays for the property and the renovation in one closing. We look at the purchase price, the scope of work and what the finished property should sell for. We do not ask for tax returns or income verification, which is why the loan fits flippers, self-employed investors and anyone who needs to move before the next offer lands.
The rehab portion is held back and released in staged draws as work is completed, so your renovation money goes where the project needs it.
See What My Flip Qualifies For →You buy for $200,000, budget $60,000 for the rehab, and the finished home should be worth $360,000:
| Purchase funded (90%) | $180,000 of the $200,000 price |
| Rehab funded (100%) | $60,000, released in draws |
| Total loan | $240,000 |
| Loan-to-cost | 92.3% of $260,000, under the 95% cap |
| ARV check | $240,000 is 66.7% of $360,000, under the 75% cap |
| Your cash in | About $20,000 plus costs |
Illustrative only. Actual leverage, rate, points and costs vary by property, borrower and program. Closing costs, points and interest are additional.
Your loan is the smallest of the three limits. On deals bought at a deep discount, the ARV cap usually sets the number, while on tighter deals the LTC cap does.
Paint, floors, kitchens, baths
Light-scope flips where speed and clean execution drive the profit.
Down to the studs
Heavy renovations funded at up to 100% of the rehab budget, drawn as work progresses.
Fix it, lift the value
Multifamily, mixed-use and light commercial properties that are worth more once renovated.
Renovate, lease, refinance
Exit into a Cambridge long-term DSCR loan and keep the property as a rental.
Small to large
From duplexes to 150-unit buildings, financed on the project and the finished value.
Close your way
Hold title in an LLC or other entity. Foreign nationals are welcome.
The classic flip, from starter homes to luxury.
Duplexes through large apartment buildings.
Reviewed with association documents and dues in mind.
Retail or office on the ground floor, apartments above.
Small commercial and light industrial buildings with a value-add plan.
Primary residences and second homes for personal use.
| Feature | Cambridge Fix & Flip | Traditional Bank Loan |
|---|---|---|
| Qualifies on | The deal: price, rehab and ARV | Your income and debt-to-income ratio |
| Documents | No tax returns or income verification | Tax returns, W-2s, pay stubs and more |
| Rehab funding | Up to 100%, in staged draws | Often limited or a separate loan |
| Leverage | Up to 95% LTC, 90% of purchase | Often lower on investment property |
| Payments | Interest-only during the flip | Usually principal and interest |
| Speed | As few as 5 days | Often 30-60+ days |
| Ownership | LLC or entity welcome | Often an individual borrower |
Bank column is a generic composite of commonly seen terms as of 2026, subject to change, and does not describe any specific lender.
Enter your deal to estimate your loan, leverage and profit. Illustrative only.
Illustrative only; not a commitment to lend. Loan = lesser of (90% of purchase + 100% of rehab), 95% of total cost, or 75% of ARV. Interest assumes the full loan is drawn for the whole hold, which overstates cost because rehab is drawn over time. Rate and points are examples; your terms depend on the property and borrower. Excludes closing, title, insurance and selling costs.
| Leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rate and points | From 7.875% · 1-3 points |
| Term | 12-18 months, interest-only, with extension options |
| Income | No tax returns or income verification; asset-based underwriting |
| Deal documents | Purchase contract, scope of work and rehab budget |
| Valuation | Appraisal or valuation supporting the ARV |
| Borrower | Individual, LLC or entity; foreign nationals OK; brokers welcome |
| Verification | Government ID, entity documents and proof of funds for your cash to close |
Requirements shown reflect our strongest profiles and may vary by property, borrower and market conditions.
Send the address, purchase price, rehab budget and ARV through the quote form or a quick call.
We send a term sheet with your rate, leverage and costs, so you know your options before you commit.
Appraisal, title and insurance move side by side, and we review entity and ID documents.
Close in as few as 5 days, start work, and request staged draws as the rehab progresses.
A short-term, asset-based loan that finances both the purchase and the rehab of an investment property. It is underwritten on the deal, meaning the price, the scope of work and the after-repair value, not on your personal income.
No. Our fix and flip loans are asset-based, so we do not require tax returns or income verification.
Up to 90% of the purchase price and 100% of rehab costs, up to 95% loan-to-cost and up to 75% of ARV. Your final amount is the smallest of those limits and is set in underwriting.
Purchase and rehab are funded in one loan. The rehab money is released in staged draws as work is completed, so funds follow the project.
Rates start at 7.875% with 1-3 points. Terms are 12-18 months, interest-only, with extension options. Your exact pricing depends on the property, leverage and experience.
As fast as 5 days on well-prepared files. Timing depends on appraisal, title, insurance and how quickly documents come back.
Single-family, 2-150 unit and multifamily, condos, mixed-use, light industrial and small commercial, in all 50 states. Primary residences are not eligible.
Yes. You can get a free quote without a credit pull. Credit is reviewed later, in underwriting, if you move forward.
Yes. If you plan to rent instead of sell, many investors exit into a Cambridge DSCR loan (the rehab-to-rent or BRRRR strategy).
Yes. LLCs and foreign nationals are OK, and brokers can submit deals for their borrowers.
Talk to CambridgeHomeLoan.com, a direct fix and flip lender since 1998, and get a free quote with no credit pull. Fund in as few as 5 days.
© 2026 CambridgeHomeLoan.com · NMLS #1826020. Fix and flip loans are business-purpose loans for non-owner-occupied investment properties and are not available for primary residences. Rates, points, leverage, terms and closing timelines are illustrative, subject to change without notice, and subject to borrower, property and deal qualification and underwriting approval. “Rates from 7.875%,” “up to 95% LTC,” “90% of purchase,” “100% of rehab,” “up to 75% ARV” and “close in as few as 5 days” reflect the strongest profiles and are not a quote or commitment to lend. Calculator results and examples are illustrative and exclude closing costs. Comparison figures are generic market composites and are not the terms of any specific lender. This page is informational and does not constitute financial, legal, tax or investment advice.
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