{"id":5217,"date":"2026-06-24T20:57:05","date_gmt":"2026-06-25T01:57:05","guid":{"rendered":"https:\/\/riverbankfinance.com\/blog\/?p=5217"},"modified":"2026-06-25T07:26:12","modified_gmt":"2026-06-25T12:26:12","slug":"fix-and-flip-loans-in-2026-how-to-finance-your-next-investment-property","status":"publish","type":"post","link":"https:\/\/riverbankfinance.com\/blog\/fix-and-flip-loans-in-2026-how-to-finance-your-next-investment-property\/","title":{"rendered":"Fix and Flip Loans in 2026: How to Finance Your Next Investment Property"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In 2025, <strong>7.4% of all home sales<\/strong> involved investors buying older, distressed properties to renovate and resell or rent. That&#8217;s a lot of properties. And behind most of those deals? A financing decision that either made the project work \u2014 or killed it before it started. This why fix and flip loans exist!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The problem most investors run into isn&#8217;t finding the right property. It&#8217;s finding the right money. Fast enough. With terms that actually make sense for a flip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Traditional banks aren&#8217;t built for this. They want W-2s, tax returns, debt-to-income ratios, and three to four weeks just to get to a decision. By then, someone else has already closed on your deal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s exactly why our <strong>Fix &amp; Flip loan program<\/strong> exists. It&#8217;s designed from the ground up for real estate investors \u2014 whether you&#8217;re doing your first flip or your fiftieth.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color wp-element-button\" href=\"#apply_form\">Apply for a Fix and Flip Loan<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Why Speed Wins in Real Estate Investing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ve seen it happen more than once. An investor finds a great distressed property, runs the numbers, and the deal pencils out beautifully. Then they spend two weeks chasing a bank for a decision \u2014 and by the time they get a &#8220;maybe,&#8221; the seller has moved on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Speed is a competitive advantage in this market. Our program is built around that reality.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Term sheets and decisions are often issued in hours, not days.<\/strong> That means you can make a serious offer, back it with confidence, and close before your competition even gets a callback.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No DTI calculations. No income verification. No 1003 forms. No TRID requirements \u2014 because this is a business-purpose loan, not a consumer mortgage. Borrowers do not need to meet <a href=\"https:\/\/selling-guide.fanniemae.com\/\" title=\"\">fannie mae guidelines<\/a> for investment properties. Less paperwork means fewer bottlenecks, and fewer bottlenecks means you close faster.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And when the deal closes early? No prepayment penalties. No early payoff fees. You keep more of what you made.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color wp-element-button\" href=\"#apply_form\">Request information on a Fix and Flip<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The Numbers: Loan Terms That Work for Real Deals<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-scaled.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-1024x572.png\" alt=\"fix and flip loan\" class=\"wp-image-5219\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-1024x572.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-300x167.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-768x429.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-1536x857.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fixandflip-2048x1143.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what the program actually looks like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan amounts:<\/strong> $200,000 minimum up to $3,000,000 per property<\/li>\n\n\n\n<li><strong>Purchase financing:<\/strong> Up to 90% of the purchase price<\/li>\n\n\n\n<li><strong>Rehab financing:<\/strong> Up to 100% of construction and renovation costs<\/li>\n\n\n\n<li><strong>Total project cost coverage:<\/strong> Up to 90%, capped at 70% of the After Repair Value (ARV)<\/li>\n\n\n\n<li><strong>Loan terms:<\/strong> 12 to 18 months, interest-only, with extensions available<\/li>\n\n\n\n<li><strong>Rates:<\/strong> 9.25% to 14.999%<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The interest-only structure matters more than most first-time investors realize. During the renovation phase, you&#8217;re not generating rental income \u2014 so keeping monthly carrying costs low preserves capital for the work that actually increases the property&#8217;s value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ARV is how the math holds together on a flip. Think of it as the property&#8217;s future value after all the work is done. The loan is sized against what the property <em>will be worth<\/em>, not just what it costs today. That&#8217;s what allows for higher leverage without the lender taking on unreasonable risk \u2014 and what allows you to put less cash down than a <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/conventional-mortgage.html\" title=\"\">conventional investment loan<\/a> would require.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fix and Flip Loans for Every Experience Level<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-scaled.png\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-1024x559.png\" alt=\"\" class=\"wp-image-5228\" srcset=\"https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-1024x559.png 1024w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-300x164.png 300w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-768x419.png 768w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-1536x838.png 1536w, https:\/\/riverbankfinance.com\/blog\/wp-content\/uploads\/2026\/06\/fix-and-flip-loans-for-investors-2048x1117.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">One thing that sets this program apart: it&#8217;s genuinely accessible to investors at every stage, including people doing their very first flip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I&#8217;ve talked with a lot of newer investors who assume they need a track record just to get in the door. They don&#8217;t \u2014 they just need to understand how the terms shift based on experience, and plan accordingly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how the down payment structure works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0 completed flips:<\/strong> 25% down<\/li>\n\n\n\n<li><strong>1\u20132 completed flips:<\/strong> 20% down<\/li>\n\n\n\n<li><strong>3\u20135 completed flips:<\/strong> 15% down<\/li>\n\n\n\n<li><strong>6+ completed flips:<\/strong> Case-by-case, potentially as low as 10% down<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The more experience you bring, the more the program rewards you. That&#8217;s how it should work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Minimum credit score:<\/strong> 660. Eligible borrowers include U.S. Citizens, Permanent Residents, and in certain scenarios, Foreign Nationals on a case-by-case basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eligible property types include non-owner occupied Single Family Residences (SFR), 2-4 unit properties, townhomes, and condos. The property just can&#8217;t be your primary residence \u2014 this is investment financing, full stop.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background has-link-color wp-element-button\" href=\"#apply_form\">Apply for Investor Mortgage<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The Draw Process: How Rehab Funds Are Released<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The draw process is where a lot of fix and flip programs fall apart. You submit a draw request, wait on a third-party inspector to schedule a visit, wait some more, and meanwhile your contractor is sitting idle and your timeline is slipping.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We manage all renovation draws in-house. That removes the middleman and the scheduling delays that come with outsourcing inspections to random vendors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A few things worth knowing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No receipts or invoices required<\/strong> to process a draw \u2014 the process is built around progress, not paperwork<\/li>\n\n\n\n<li>The same engineering firm that reviews the initial Scope of Work (SOW) handles the site inspections throughout the project, so there&#8217;s consistency instead of a new set of eyes every time<\/li>\n\n\n\n<li>Inspection fees typically run between $130 and $175, depending on location<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Predictable, in-house, consistent. That&#8217;s what keeps projects moving.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real Deal: A Fix and Flip Loans Case Study<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The best way to understand how a program works is to look at a real deal. Here&#8217;s one that tells the story well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The property:<\/strong> A 1954 Cape Cod-style single-family home in Brighton, Michigan<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Purchase price:<\/strong> $482,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rehab budget:<\/strong> $101,900 \u2014 covering a full renovation that included a 4-bed, 4-bath layout, hardwood floors throughout, and a finished basement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sold price:<\/strong> $895,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gross profit:<\/strong> $311,000 over a 21-month timeline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s a real number on a real property. The investor used our program to finance the purchase and cover the full rehab budget, kept monthly costs manageable with an interest-only structure, and walked away with a significant return once the property sold.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not every deal looks like this one. Some move faster, some slower. Some margins are tighter. But the point isn&#8217;t the specific numbers \u2014 it&#8217;s that the financing held up the entire way through. No delays in draws. No surprise restrictions mid-project. Just capital that worked when it was supposed to.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Matters for Mortgage Brokers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re a mortgage broker working with real estate investors, here&#8217;s something worth thinking about: fix and flip investors rarely stop at one property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Help someone execute their first successful flip, and you&#8217;ve built a relationship that comes back \u2014 for the next flip, for a <a href=\"https:\/\/riverbankfinance.com\/mortgage-programs\/michigan-dscr-loans.html\" title=\"\">DSCR rental loan<\/a>, for a short-term bridge loan when they scale up. The investors who start with one project are often managing a small portfolio within a few years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting them into the right financing the first time is how that relationship starts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our program has no login required for the quick application portal, and term sheets come back fast \u2014 which means less time chasing approvals and more time building your book.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ready to Structure a Fix and Flip Deal?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you&#8217;re an investor evaluating your next project or a broker with a client scenario in hand, the next step is simple.<\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f185-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"185\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/5217#wpcf7-f185-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"185\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f185-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"application_form\">\n\t<div class=\"block_top\" id=\"apply_form\">\n\t<\/div>\n\t<div class=\"spacer_top\">\n\t<\/div>\n\t<div class=\"ApplyFullHeader\">\n\t\t<p class=\"replaceheader\">Request Home Loan Information Now!\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"blueBox\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Name (required)\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email (required)\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone:\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-goal\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"your-goal\"><option value=\"Purchase\">Purchase<\/option><option value=\"Refinance\">Refinance<\/option><option value=\"Cash Out\">Cash Out<\/option><option value=\"More Information\">More Information<\/option><\/select><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your Message:\" name=\"your-message\"><\/textarea><\/span>\n\t\t<\/p>\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"referer-page\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text referer-page\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"referer-page\" \/><\/span><br \/>\n\t\t\n\t\t<\/p>\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner submit\" type=\"submit\" value=\"Submit Now!\" \/>\n\t\t<\/p>\n\t<\/div>\n\t<div style=\"text-align: justify; color:#666666;font-size: small;\">\n\t\t<p>By clicking \"Submit Now!\", you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg\/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"202\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Send over your scenario and we&#8217;ll get a term sheet back to you fast. No lengthy intake process. No paperwork before we&#8217;ve even had a conversation. Just a quick look at the deal and an honest answer on what the numbers look like.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Use the quick application portal \u2014 no login required \u2014 or reach out directly to get started.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Good deals move fast. So do we!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In 2025, 7.4% of all home sales involved investors buying older, distressed properties to renovate and resell or rent. That&#8217;s a lot of properties. And behind most of those deals? A financing decision that either made the project work \u2014 or killed it before it started. This why fix and flip loans exist! The problem<a class=\"excerpt-read-more\" href=\"https:\/\/riverbankfinance.com\/blog\/fix-and-flip-loans-in-2026-how-to-finance-your-next-investment-property\/\" title=\"ReadFix and Flip Loans in 2026: How to Finance Your Next Investment Property\">&#8230; Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":5229,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-michigan"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"In 2025, 7.4% of all home sales involved investors buying older, distressed properties to renovate and resell or rent. That&#039;s a lot of properties. And behind most of those deals? 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