Fix & Flip Loans:

Leverage. Renovate. Profit.

A Fix & Flip loan is a short-term real estate loan specifically designed to help investors purchase and renovate properties for resale. It provides quick access to capital for both the acquisition and the rehab, allowing you to move fast in competitive markets and maximize returns.

At 1st Private Capital, we don’t just fund deals—we empower operators. Whether it’s your first flip or your fiftieth, we offer speed, structure, and certainty so you can scale your business with confidence.

Why Fix & Flip Investors Choose Us

We understand the rhythm of flipping. Every day matters. Missed closings or delayed draws can erode profits. That’s why our process is engineered for execution.

Here's what sets us apart:

• Close in as little as 10 Days: Skip the wait. We fund when others are still processing paperwork.

• Up to 90% Purchase + 100% Rehab: Maximize leverage, minimize cash out of pocket.

• Interest-Only Payments on Outstanding Balance: You don’t pay interest on funds you aren’t using.

• Custom Draw Schedules: Rehab funds released as you hit milestones.

We know what matters: access to capital, low friction, and real support.

What You Can Expect:

• Same-Day Term Sheet: We issue terms within hours of your request.

• In-House Processing: Deal directly with decision-makers.

• Draw Management: Quick release of rehab funds with verified progress.

• Transparent Fees: No hidden costs, no junk fees.

Loan Criteria

Collateral: Non-owner occupied 1-4 family real estate, condos, townhomes, 5+ unit apartments, and mixed-use properties
LTV: Up to 90% of purchase + 100% of rehab costs; not to exceed 75% of ARV
Term: 12–18 months
Minimum ARV:

• $100K for Single-Family

• $100K for 2-4 Family

• $350K for Multi-Family (5+)/Mixed-Use
  Loan Amounts:

• $50K – $2M for 1-4 Family, Condos & Townhomes

• $250K – $3M for Multi-Family (5+)/Mixed-Use
  Minimum FICO: 650
  Rates: Starting at 9.74% (interest-only on outstanding balance)
  Prepayment Penalty: None

Tiered Investor Leverages & Rates

NEW INVESTORS

• Completed up to 2 flips in the last 3 years

• LTV: Up to 80% purchase + 100% rehab; not to exceed 70% ARV

• Rates starting at 10.74%

INTERMEDIATE INVESTORS

• Completed 3–5 flips in the last 3 years

• LTV: Up to 90% purchase + 100% rehab; not to exceed 72.5% ARV

• Rates starting at 10.24%

EXPERIENCED INVESTORS

• Completed more than 10 flips in the last 3 years (FICO 720+)

• LTV: Up to 95% purchase + 100% rehab; not to exceed 75% ARV

• Rates starting at 9.74%

Why 1st Private Capital?

We don’t just lend—we partner. Our team is built to move at the speed of your deal flow. And our technology and workflows ensure no detail gets lost, even when things move fast.

We combine:

• Private Lending Speed

• Institutional-Level Precision

• Investor-Focused Mindset

Flipping is a business. You deserve a lender who treats it that way.