Acquire the Property
Find a distressed, undervalued, or off-market property. Run your ARV analysis using the 70% rule. Apply for InstaLend's fix and flip loan — close in 10–14 days.
Fix and Flip Loans for Real Estate Investors
Up to 95% of total project cost, purchase and renovation combined. No income verification. InstaLend funds your next flip in as little as 10 days so you never miss a deal waiting on a bank.
95%
Total Cost Financed
Purchase+
Rehab Included
10-14
Day Close
46
States
FIX & FLIP At A Glance
Loan Amount $50K – $5M+
Loan Term 12-18 Months
Income Verification None Required
Qualification Basis MIN FICO 660
WHY INSTALEND
Why Investors Choose InstaLend as Their Fix and Flip Lender
Speed and leverage are everything in house flipping. InstaLend is built for the pace of real estate investment, not the pace of a bank. Asset-based lending means the deal qualifies, not your pay stub
10-14
Days to Close
Banks take 30-60 days. Deals don't wait. InstaLend moves at investment speed so you can compete with and beat cash buyers.
Zero
Income Docs Required
No W-2s, no tax returns, no employment history. Approval is based on the project's loan-to-cost ratio and borrower experience, not your pay stub.
100%
Rehab Costs Recovered
We finance up to 95% of total project cost (purchase + rehab) in one loan so your capital goes further on every flip.
46
States Nationwide
From New Jersey to North Carolina to Michigan, InstaLend funds flips in 46 states. Invest where the returns are, not where your bank happens to lend.
RATES & TERMS
Fix and Flip Loan Terms at a Glance
InstaLend prices fix and flip financing based on the property's potential — not your personal financial history. Here's exactly what to expect before you apply.
LOAN PARAMETER
INSTALEND NEW CONSTRUCTION LOAN
Loan Amount
$50,000 – $5M+
Loan Term
12 Months (extensions available)
Eligible Properties
1–4 Unit Single-Family Residential
Funding Method
Max LTC Up to 90%
Interest Payments
Interest-only on drawn amount
Income Verification
None Required
Qualification Basis
Loan-to-Cost (LTC) ratio + experience
Borrower Requirement
Licensed GC or prior construction experience
Prepayment Penalty
None
Pre-Approval Time
24–48 Hours
Exit Options
Sell or refinance into long-term mortgage
FINANCING OPTIONS
Fix and Flip Financing Options: Choosing the Right Structure
CONTACT US
Hard Money Loan
Bridge Loan
Conventional / HELOC
Hard Money Fix and Flip Loan
Hard money fix and flip loans are the most common financing structure for property flippers. They're short-term, asset-based loans secured by the property itself, not by the borrower's income or credit score. The lender evaluates the property's current condition, purchase price, and estimated after-repair value (ARV) to determine how much to lend.
InstaLend's fix and flip product is a hard money loan. It covers up to 95% of the total project cost, purchase and rehab combined, closes in 10-14 days, and requires no income verification. This is the go-to structure for experienced flippers and first-time investors alike.
HARD MONEY CONSTRUCTION KEY TERMS
Qualifying basis Min FICO 660
Income verification None required
Loan term 12-18 months
LLC closing Yes
Fix and Flip Bridge Loan
A fix and flip bridge loan is a short-term loan that "bridges" an investor between acquiring a property and either selling it or refinancing into a long-term mortgage. Bridge loans are commonly used when an investor needs to move fast on a purchase before their current property sells, or when transitioning a rehabbed home into a rental (the BRRRR strategy).
Bridge loans for house flipping work similarly to hard money loans. They're asset-based, fast-closing, and don't require income verification. The key difference is purpose: bridge loans are often used to buy time, whereas hard money loans are structured specifically around a rehab timeline and ARV.
BEST FOR
W-2 employees or borrowers with straightforward income documentation who plan to hold the completed property.
W-2 employees or borrowers with straightforward income documentation who plan to hold the completed property.
Bridge Loan — Key Terms
Qualifying basis Property value
Income verification None / minimal
Loan term 6-24 months
Close time
7-14 days
7-14 days
Common use BRRRR / deal gap
Exit strategy
Sale or refi
Sale or refi
Conventional Financing & HELOC
Some investors use conventional mortgages or home equity lines of credit (HELOCs) to fund flips, particularly when buying a property that is in liveable condition and the renovation scope is modest. Conventional investment loans offer the lowest interest rates but come with heavy documentation requirements: W-2s, tax returns, DTI ratio checks, and strict property condition standards.
The major limitation: conventional lenders rarely fund distressed properties, won't finance active renovations, and take 30-60 days to close, too slow for competitive markets. Fannie Mae also limits individual borrowers to 10 financed properties, capping portfolio growth. Most experienced flippers use conventional financing only for clean, stabilised acquisitions.
BEST FOR
W-2 employees buying their first 1-2 investment properties in move-in condition, who have time to wait on underwriting and prioritise the lowest possible rate over speed.
W-2 employees buying their first 1-2 investment properties in move-in condition, who have time to wait on underwriting and prioritise the lowest possible rate over speed.
CONVENTIONAL BANK KEY TERMS
Qualifying basis Personal income (DTI)
Income verification W-2 + tax returns
Distressed property Usually not eligible
Rehab coverage Rarely covered
Close time
30-60 days
30-60 days
Property cap Max 10 per borrower
HOW FUNDING WORKS
How Fix & Flip Loans Work
Fix and flip loans help investors buy, renovate, and sell properties for profit—typically within 12–18 months. Approval is based on the property's after-repair value (ARV), not personal finances.
01
02
Renovate and Improve
Execute the renovation plan — kitchen, bathrooms, curb appeal. InstaLend covers 100% of rehab costs through a draw schedule as work progresses.
03
List and Market the Property
Stage the property, list at or above ARV estimate. Typical flip timeline is 3–6 months renovation + 1–3 months on market. Your 12–18 month loan term gives you the runway.
04
Sell and Repay
lose the sale, repay the InstaLend loan, and pocket the profit margin. Experienced investors reinvest immediately into the next deal using the same structure.
COMMON STRATEGIES
How Investors Use Fix and Flip Loans
Fix and flip financing is flexible enough to work across multiple investment strategies, not just cosmetic flips. Here's how InstaLend's investors structure their deals.
Cosmetic Rehab Flips
Buy a property that needs surface-level upgrades: paint, flooring, fixtures, landscaping. Resell within 3-6 months for lower renovation cost, faster turnaround, and lower risk. InstaLend's 10-day close lets you move before competing buyers.
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Full Gut Renovations
Acquire a severely distressed property at a deep discount and overhaul it completely: new kitchen, bathrooms, electrical, plumbing, roof. Higher capital required, but the margin on a full gut flip in the right neighbourhood can be substantial. InstaLend finances the full project cost up to 95%, purchase and rehab included.
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Converting Rentals to Resales
Purchase a distressed rental home, vacate and renovate it, then sell at market value rather than holding as a rental. Effective in markets with strong buyer demand and high appreciation. Use a fix and flip loan for acquisition and rehab, then exit on the sale.
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Foreclosures and Short Sales
Foreclosure and short sale properties are often priced well below market but may not qualify for conventional financing due to condition. InstaLend's asset-based model is purpose-built for these acquisitions. We lend based on ARV, not current condition.
BRRRR: Buy, Rehab, Rent, Refinance, Repeat
Start with an InstaLend fix and flip loan to acquire and renovate, then refinance into a 30-year DSCR rental loan once the property is stabilised and tenanted. Recover your capital, hold the asset long-term, and repeat. InstaLend offers both loan products under one roof.
Neighbourhood Modernisation
Identify emerging neighbourhoods, areas adjacent to revitalised districts, and buy before the market reprices. Modernise homes to appeal to the incoming buyer demographic. InstaLend's nationwide coverage means you can execute this strategy in NJ, NC, OH, MI, or wherever the data points
How to Apply for Fix & Flip Loan
Submit Your Property and Deal Details
Share the property address, purchase price, estimated renovation costs, and projected ARV. Takes under 5 minutes — no financial documents at this stage.
We Evaluate the Deal Based on ARV
InstaLend's team reviews the property's current value, renovation scope, and after-repair value. No W-2s. No tax returns. The deal does the qualifying.
Close and Fund in as Little as 10 Days
Receive your term sheet, finalise paperwork, and close. Renovation costs are disbursed via a draw schedule as work progresses. Most loans fund within 10-14 business days.
How to Apply for Fix & Flip Loan
Submit Your Property and Deal Details
Share the property address, purchase price, estimated renovation costs, and projected ARV. Takes under 5 minutes — no financial documents at this stage.
We Evaluate the Deal Based on ARV
InstaLend's team reviews the property's current value, renovation scope, and after-repair value. No W-2s. No tax returns. The deal does the qualifying.
Close and Fund in as Little as 10 Days
Receive your term sheet, finalise paperwork, and close. Renovation costs are disbursed via a draw schedule as work progresses. Most loans fund within 10-14 business days.
How to Apply for Fix & Flip Loan
Submit Your Property and Deal Details
Share the property address, purchase price, estimated renovation costs, and projected ARV. Takes under 5 minutes — no financial documents at this stage.
We Evaluate the Deal Based on ARV
InstaLend's team reviews the property's current value, renovation scope, and after-repair value. No W-2s. No tax returns. The deal does the qualifying.
Close and Fund in as Little as 10 Days
Receive your term sheet, finalise paperwork, and close. Renovation costs are disbursed via a draw schedule as work progresses. Most loans fund within 10-14 business days.
SIMPLE PROCESS
How to Apply for Fix and Flip Financing with InstaLend
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Submit Your Property and Deal Details
Share the property address, purchase price, estimated renovation costs, and projected ARV. Takes under 5 minutes with no financial documents at this stage.
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We Evaluate the Deal Based on ARV
InstaLend's team reviews the property's current value, renovation scope, and after-repair value. No W-2s. No tax returns. The deal does the qualifying.
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Close and Fund in as Little as 10 Days
Receive your term sheet, finalise paperwork, and close. Renovation costs are disbursed via a draw schedule as work progresses. Most loans fund within 10-14 business days.
WHO IT'S BUILT FOR
Who Fix and Flip Loans Are Built For
InstaLend's fix and flip financing is designed for real estate investors at every stage, from first flip to hundredth. Here's who benefits most.
01
First-Time House Flippers
Never flipped before? InstaLend's asset-based model means your loan approval depends on the deal, not your resume. No experience requirement. The property's ARV and your renovation plan are what matter and we'll help you structure the numbers correctly.
02
Experienced Investors Scaling Volume
Running multiple flips simultaneously? No income verification means no ceiling on how many InstaLend loans you can hold at once. Scale your deal volume without hitting the documentation wall that stops conventional financing.
03
Self-Employed Investors and Business Owners
Self-employed? Complex tax returns? Traditional lenders will count your write-offs against you. InstaLend doesn't ask for W-2s or personal income documentation. The deal qualifies and you don't have to.
04
Out-of-State Investors
The best flip markets aren't always in your backyard. InstaLend lends in 46 states. Fund a flip in New Jersey, Ohio, North Carolina, or Michigan remotely. Our fully digital application means you don't need to be on-site to close.
05
Investors Needing Speed to Win Deals
In competitive markets, foreclosure auctions, off-market deals, and motivated seller situations, a 10-day close is a negotiating advantage in itself. Sellers choose InstaLend-backed buyers because we actually close on time.
06
BRRRR Strategy Investors
Use InstaLend's fix and flip loan for acquisition and rehab, then refinance into our 30-year SFR rental loan once the property is tenanted. Both products, one lender. No need to shop around mid-strategy.
WHERE WE LEND
Real Estate Investor Loans Across the USA
InstaLend lends in 46 states - invest in the markets with the strongest returns, not just the ones close to a bank branch.
New Jersey Ohio Michigan Illinois New York North Carolina Florida Pennsylvania Massachusetts South Carolina Georgia Indiana Tennessee Maryland Connecticut Virginia Delaware Colorado Wisconsin Minnesota
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FREQUENTLY ASKED QUESTIONS
Fix and Flip Loan FAQs
Everything builders and investors ask before breaking ground. Answered directly.
What is a flix and flip loan?
A fix and flip loan is a short-term real estate investment loan used to purchase a distressed property, renovate it, and sell it for a profit, typically within 12 to 18 months. Unlike traditional mortgages, fix and flip loans are asset-based, meaning approval depends on the property's after-repair value (ARV) rather than the borrower's personal income.
How much does InstaLend cover on a fix and flip loan?
InstaLend covers up to 95% of the total project cost, covering both purchase and full renovation, on fix and flip loans. Loan amounts start at $50,000. This combination is one of the highest leverage structures in the market. Most lenders offer purchase coverage or rehab coverage, not both at these levels.
How fast can u close fix and flip loan?
InstaLend typically closes fix and flip loans in 10 to 14 business days. In competitive markets, a 10-day close means you can move on deals before other buyers even get conventional pre-approval.
Can first-time investors gett fix and flip loan?
Yes. InstaLend's asset-based model makes fix and flip loans accessible to first-time flippers. Approval is based on the deal quality and the property's potential, not years of experience. A well-researched renovation plan and realistic ARV estimate are the keys to a successful application.
What is the difference between a fix and flip loan and a hard money loan?
Fix and flip loans are a type of hard money loan. "Hard money" refers to the asset-based lending model where the loan is secured by the property itself rather than the borrower's creditworthiness. InstaLend's fix and flip financing is hard money: fast-closing, asset-based, and no income verification required.
Do i need to verify income for a fix and flip loan?
No. InstaLend's fix and flip loans are asset-based. Approval is determined by the property's current value and ARV, not your personal income, W-2s, or tax returns.
What is ARV and why does it matter?
ARV stands for After-Repair Value, the estimated market value of the property once all renovations are complete. Fix and flip lenders use ARV to determine loan amounts. InstaLend finances up to 95% of total project cost (purchase + rehab) and uses ARV to evaluate whether the renovation plan makes financial sense.
Which states does InstaLend offer fix and flip loan in?
InstaLend offers fix and flip loans in 46 states across the USA. We do not currently lend in North Dakota, South Dakota, Arizona, California, or Utah. Top markets include New Jersey, Ohio, Michigan, Illinois, New York, North Carolina, Florida, Pennsylvania, Massachusetts, and South Carolina.
READY TO BREAK GROUND?
New Construction Financing That Moves at Build Speed
Pre-approval in 24–48 hours. No income verification. Milestone-based draw schedule. InstaLend has funded construction projects across 46 states, from spec home builds to multi-unit infill developments.