Turn Your Passion for Real Estate into Profit with Fix and Flip Loans
If you’re interested in flipping houses, you’ll be thrilled to learn that fix and flip loans were specifically designed for real estate investors like you! Secure a short-term fix and flip loan from InstaLend and embark on a profitable journey where you can see returns on your investment quickly and efficiently. Whether you're new to house flipping or you're a seasoned investor, the right financing is the foundation of your success.
What Are Fix and Flip Loans—and Who Are They For?
Traditional mortgage loans are typically intended for long-term homeowners. When someone takes out a conventional mortgage, the expectation is that they'll stay in the home for 10, 20, or even 30+ years. Because of this, conventional loan terms are long, with fixed rates and detailed underwriting processes geared toward residential borrowers.
However, these loans are not ideal for real estate investors who are buying properties to renovate and resell within a short period. That’s where fix and flip loans come into play.
Fix and flip loans are short-term real estate investment loans designed for individuals or companies who intend to buy properties, improve them, and sell them quickly for a profit—usually within 12 to 18 months.
These loans are especially useful for:
- Purchasing distressed or undervalued residential properties
- Financing renovations and upgrades to improve resale value
- Covering holding and transactional costs, including property taxes, insurance, and utility bills
Unlike long-term mortgages that emphasize borrower income and creditworthiness, fix and flip loans focus more heavily on the property's after-repair value (ARV). This allows investors to secure financing based on the future potential of the property rather than their personal financial history—making it easier for newer investors or those with limited capital to get started. Most fix and flip investors find opportunities at auctions, short sales, foreclosures, or off-market deals, where the potential to buy low and sell high is significant. These types of loans are flexible, fast, and designed to align with the specific needs of a flipping timeline.
Fast and Reliable Funding
- We close deals quickly—typically within two weeks. That means you don’t have to miss out on a competitive property while waiting on bank approvals.
Competitive Loan Structure
- Our loan amounts start at $50,000 and go up depending on the value and scope of your project. We cover up to 90% of the purchase price and 100% of the renovation costs, making it easier for you to maintain cash flow and maximize ROI.
Short-Term Commitment, Long-Term Value
- With loan terms ranging from 12 to 18 months, you won’t be tied down with long-term debt. These quick turnarounds allow you to reinvest profits faster and grow your portfolio.
Asset-Based Lending
- Our loans are secured by the property itself. This means your credit score isn’t the only factor—your investment strategy and the property's potential are just as important.
Ideal for Portfolio Diversification
- Whether you’re flipping your first property or your fifteenth, fix and flip loans help you diversify your real estate holdings and test different markets without locking up capital in one long-term deal.
Fix and Flip Loan Use Cases: Real Scenarios That Make Sense
Many investors use fix and flip loans for:
- Quick rehab flips: Buying a property that needs cosmetic upgrades and reselling within a few months
- Major renovations: Overhauling outdated homes in high-potential neighborhoods to maximize resale value
- Converting rentals into resales: Purchasing distressed rental homes, making improvements, and flipping for a higher price
- Adding value through design: Modernizing kitchens, bathrooms, flooring, and landscaping to boost curb appeal and buyer interest
These strategies not only improve the property’s market value but also uplift the neighborhood, making your investment a win-win for you and the community.
Why Investors Trust InstaLend for Fix and Flip LoansInvestment properties are different from long-term residences, so their loans should be too! InstaLend knows the importance of giving investors the loans they need with terms that make sense for their goals.
Expertise That Supports Your Vision
Our team consists of real estate lending experts who know the ins and outs of investment financing. We’ve helped hundreds of investors close deals on time and within budget. Whether it’s your first flip or your latest project in a large portfolio, we offer:
- Dedicated loan advisors
- Flexible underwriting criteria
- Asset-based decision making
- Clear communication from start to finish
Streamlined Approval Process
We keep our loan application process simple:
- Submit your loan request with property details.
- We evaluate your deal based on the property’s current and after-repair value.
- Once approved, we issue terms and fund quickly—usually within 10–14 days.
Our no-nonsense process is designed to save you time, reduce paperwork, and eliminate roadblocks.
