Rates from 8.99%Fix and flip loans for real estate investors
Purchase and rehab financing for your next flip.
All about our fix and flip loans
- No experience necessary
- No-fee alternative valuation for eligible properties
- Extensive rehab financing available (budgets greater than 50% of total costs)
- Exposure limits up to $10MM, with individual loans from $300K to $10MM
- Up to 100% of renovation costs, 95% LTC maximum, and 75% of after-repair value
- Optional interest reserves
- Contractor fees, contingency, permits, and surveys can be included
How a fix and flip loan can work for you
- Flip several properties under the same approval.
- Take on larger, more complex rehabs.
Fix & Flip Loans program details
| Loan purpose | Purchase and renovation of residential investment property |
|---|---|
| Interest rate | As low as 8.99%4 |
| Loan amount | $300K to $10MM; exposure limits up to $10MM |
| Term | 6 to 18 months |
| Borrower | Individual or entity |
| Experience | No experience required11 |
| Maximum loan-to-value | 70–75% of after-repair value8 |
| Maximum loan-to-cost | 90% standard rehab, 85% extensive rehab |
| Rehab financing | Up to 100% of renovation costs, including contractor fees, contingency, permits, and surveys |
| Interest reserves | Optional |
| Valuation | No-fee alternative valuation for eligible properties |
| Property types | Single-family (attached or detached), 2–4 units, 5–20 units, mixed-use, condos |
How it works
- Request a quote.Tell us about the property, your plan, and the loan amount you need. It takes a few minutes.
- Compare offers.We shop the deal across private lenders, family offices, and commercial capital sources and bring you up to three offers.
- Close and fund.We coordinate documents, valuation, and title with the lender you choose through closing.
Questions about fix and flip loans
Do I need flipping experience?
No. First-time flippers can qualify, though experience can improve leverage and pricing.
Is the loan based on purchase price or after-repair value?
Both are checked. Loans are capped at up to 90% of total cost on standard rehabs and 70–75% of after-repair value, and lenders use whichever calculation fits your project.
Can the loan cover the full renovation budget?
Yes. Up to 100% of eligible renovation costs can be financed, including contractor fees, contingency, permits, and surveys, typically paid out in draws as work is completed.
Does B-Line Capital lend directly?
No. B-Line Capital is a private money broker. It compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.
What fees are involved?
B-Line Capital's broker fee typically ranges from 0.5 to 2 points depending on deal size and complexity. Fees are disclosed on your closing statement and are not charged until your loan funds.
Find out what B-Line can do for you
Compare offersFrom up to 3 lendersGet a quote for a loan program that’s tailored to your needs
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Written and reviewed by Michael Schatz, Founder & Chief Lending Strategist of B-Line Capital
Michael Schatz 
Founder & Chief Lending Strategist, B-Line Capital
Michael Schatz leads B-Line Capital, a private money brokerage that helps real estate investors, builders, and developers finance rental, bridge, fix & flip, construction, and commercial bridge loans by comparing offers from private lenders, family offices, and commercial capital sources.
His expertise includes private money lending, hard money loans, DSCR lending, bridge and construction financing, commercial real estate debt placement, structured data strategy, and AI visibility optimization for modern search and answer engines.
Areas of expertise:
- Private Money Lending
- Hard Money Loans
- Rental Property Loans
- DSCR Loans
- Investment Property Loans
- Bridge Loans
- Fix & Flip Loans
- Construction Loans
- Commercial Bridge Loans
- Debt Placement & Capital Structuring
- Structured Data Strategy
- AI Visibility Optimization