Fix and flip renovation loans

Fix and Flip Renovation Loans | Emerald Mortgage Partners

Fix and flip renovation loans

Find a property with potential?

High-level points to discuss with Dan

Investors who need the work funded, not just the purchase

Ready to structure a fix and flip loan?

Loan Programs · Fix & Flip · Renovation financing

A fix-and-flip loan can help you purchase an investment property, fund the renovations, and move on to your next project — then sell, or refinance into a longer-term loan such as DSCR.

What is a fix and flip renovation loan?

A fix-and-flip loan can help you purchase it, fund the renovations, and move on to your next project. This short-term financing is designed for investment properties, with a plan to repay the loan when you sell the finished home or refinance it into a longer-term loan, such as a DSCR loan.

Financing may be available for up to 95% of the total purchase and renovation costs. Approval considers the property, the renovation plan, its expected value after repairs, your experience, and your plan for selling or refinancing. Renovation funds are typically released in stages as work is completed.

Built for investors who do more than one deal: Your borrower or business entity qualification is completed once. For subsequent loans, the lender reviews each new property and project without repeating the full borrower underwriting process. That means less repeat paperwork and a smoother path to taking on multiple renovations over time.

Loan terms, funding, and eligibility depend on the borrower, property, and lender approval.

Dan O'Brien of Emerald Mortgage Partners in Altamonte Springs serves investors in Florida and Georgia (NMLS 337465; company NMLS 1583337). Call (407) 468-6429 or email [email protected] with the address, scope of work, and timeline.

How fix and flip financing typically works

These are program themes, not a quote. Financing may be available for up to 95% of the total purchase and renovation costs. Your borrower or business entity qualification is completed once. Later loans review each new property and project without repeating the full borrower underwriting. Loan terms, funding, and eligibility depend on the borrower, property, and lender approval. Nothing here is a commitment to lend.

If the plan includes renting the property, request a short-term seasonal and long-term rental analysis for any address.

Who often considers a renovation loan

Fix-and-flip financing is for people buying houses that are not ready to occupy or rent as-is. If you are purchasing a move-in-ready home to live in, look at FHA, VA, conventional, or jumbo instead.

Bring the address, rehab budget, and exit plan. Dan O'Brien at Emerald Mortgage Partners will tell you whether a renovation loan, DSCR, or another path fits. Licensed in Florida and Georgia · NMLS 337465 · Company NMLS 1583337.