Purchase & Renovation Financing for Residential Flips
Move fast on your next acquisition with financing that covers both purchase price and rehab costs, structured around a draw schedule that keeps your project funded stage by stage.
Built for the Way Investors Flip
Fix and flip loans from Blink Capital Partners are designed for investors purchasing 1-4 unit residential properties with the intent to renovate and sell — or refinance into a long-term hold. Financing typically covers a significant portion of both the purchase price and renovation budget, with rehab funds disbursed through a draw process as work is completed and inspected.
Because the loan is underwritten around the deal and the property, not a traditional employment file, approvals move faster than conventional bank financing — which matters when you're competing for a time-sensitive acquisition.
Who This Program Is For
- Investors purchasing distressed or dated 1-4 unit properties
- Experienced and first-time flippers alike
- Investors who need funds released in stages as rehab progresses
- Buyers who need to close quickly to win a competitive deal
Typical Loan Snapshot
| Rates | As low as 8.25% |
|---|---|
| Leverage | Up to 90% of purchase price + 100% of rehab costs, not to exceed 75% ARV |
| Loan Amount | $100,000 – $5,000,000 |
| Term Length | 12 – 18 months |
| Property Types | 1-4 unit residential (non-owner-occupied) |
| Funding Structure | Purchase funds at closing; rehab funds via draws |
| Qualification Focus | Deal economics, property value, and experience |
Rates and leverage shown reflect our typical range and are not guaranteed for any individual borrower. Actual pricing, leverage, and terms are determined during underwriting based on the specific deal.
Tip: Have your scope of work and renovation budget ready — it speeds up your term sheet turnaround significantly.
Fix & Flip Loan FAQs
What is a fix and flip loan?
A fix and flip loan is a short-term financing solution that covers the purchase price and renovation costs of a residential investment property, allowing investors to buy, renovate, and resell (or refinance) without tying up large amounts of personal capital.
How much of the rehab budget can be financed?
Rehab budgets are typically financed through a draw schedule, with funds released in stages as renovation milestones are completed and verified.
What credit score is needed for a fix and flip loan?
Requirements vary by deal, but fix and flip loans generally focus more heavily on the property, the deal economics, and investor experience than on traditional income documentation.
Ready to Fund Your Flip?
Get a term sheet from a dedicated advisor — usually within 2 hours.