See the property clearly
We start with the address, current condition, purchase price, and realistic completed value. The appraisal and program review determine what can be used for the financing conversation.
Real estate investor financing
Fix & Flip Financing Starts With the Whole Plan.
The right project deserves more than a quick answer on a rate. Together, we will look at the property, renovation scope, cash needed, holding costs, and the exit you are building toward.
Before you write the offer
A strong flip begins with a clear view of the numbers.
The purchase price is only one part of the decision. I will help you organize the questions that matter before you commit, so the financing supports the project instead of creating surprises mid-renovation.
Price the work honestly
Bring your scope, contractor bids, permits, materials, and timeline. Include a buffer for the work and the carrying costs that continue while the property is being improved.
Name the exit early
Whether you expect to sell, refinance into a rental loan, or use another strategy, we will talk about that path before you buy, not after the renovation is already underway.
Fix and flip calculator
Run the numbers before you write the offer.
Enter the deal the way you see it today. The calculator adds up purchase, renovation, financing, holding, and selling costs, then shows what may be left after the sale. Every assumption is editable, and nothing you type leaves this page.
This is a planning estimate, not a loan offer. Results depend entirely on what you enter, and the example rate, fees, and loan percentages are placeholders you control, not quoted terms. Actual rates, fees, loan amounts, draw schedules, and approval depend on the property, appraisal, your experience, credit, reserves, and full underwriting. Interest is estimated as interest-only, with renovation money drawn evenly over the project. Taxes on any profit are not included. Talk with a real estate agent, contractor, and tax professional about values, costs, and tax treatment before you commit.
How the financing conversation works
There is a sequence to a project that feels manageable.
Bring the opportunity
Share the listing, purchase terms, project scope, renovation budget, expected timeline, and the funds you plan to contribute.
Review the structure
We compare financing options based on the property, experience, credit, reserves, title structure, and the terms available for your actual project.
Plan the work and exit
We talk through inspections, draw timing when applicable, cash flow during the renovation, and the sale or refinance plan before you move forward.
A CONVERSATION BEFORE YOU COMMIT
Bring me the property, the scope, and your bigger plan.
I will help you see the full financing picture: cash to close, reserves, renovation draws, holding costs, and what needs to happen when the project is complete. You deserve a strategy that makes sense before you are in contract.
Your plan after the renovation
The exit strategy is part of the financing strategy.
If you intend to sell, plan for the time and cost of listing, buyer negotiations, closing, taxes, insurance, utilities, and any carrying costs before the sale closes. A profitable project on paper can feel very different when the timeline shifts.
If you intend to keep the improved home as a rental, tell me early. We can explore a possible DSCR refinance or another long-term investment option, understanding that the completed property, rental income, and borrower file each need a new review.
For a property you plan to occupy yourself, review FHA renovation financing or HomeStyle renovation financing. Those are homeowner programs with a different purpose and approval process.
Fit matters
Who this type of project can serve.
Experienced investors
You have completed projects, know your contractor team, and want a financing structure that supports the next opportunity.
First-time flippers
A first project may be possible, but requirements can differ. Experience, the scope, your reserves, and who will perform the work all matter.
BRRRR-minded investors
You plan to renovate, stabilize, rent, and refinance. We will look at the bridge between the project financing and the next long-term loan.
Questions investors ask
Let’s make the important details clear.
Can I finance my first flip?
We can review the project. Some options are available to newer investors, while others require documented experience. The contractor, scope, equity, available funds, and exit plan all matter.
How much cash should I plan to bring?
That depends on the purchase, the renovation budget, the selected financing, and the reserves required for the project. Plan for costs that may not be financed, plus room for changes and carrying costs.
Will renovation funds be available at closing?
Not always. Some programs use a draw process as work is completed and inspected. We will review how and when funds are released before you count on them for the job.
Is the fix and flip calculator a loan quote?
No. It is a planning tool that adds up the numbers you enter. The rate, fees, and loan percentages are examples you can change, and real terms come only after the property, your experience, and your full file are reviewed. Use it to decide whether a deal is worth a closer look.
What is the 70% rule for flipping houses?
It is an investor rule of thumb: pay no more than 70% of the after-repair value, minus the renovation cost. It leaves room for financing, holding, and selling costs plus profit. It is a quick screen, not a lending rule, and thin-margin or high-cost markets can make it too loose or too strict.
Can I keep the property as a rental?
Possibly. We can discuss the next financing step before you purchase. A rental refinance is a separate loan review based on the completed property, eligible rent, value, and your full scenario.
What to bring to the first call
Please have the property address or listing, estimated purchase price, renovation scope and budget, contractor information if available, target completion date, funds you plan to use, and your intended exit. I will help you organize what comes next and decide whether the opportunity is ready for financing conversations.
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Serving homebuyers and homeowners in Roseville, Rocklin, Lincoln, Citrus Heights, Antelope, Fair Oaks, Carmichael, Sacramento, and across California, Tennessee, and Texas.