90% Fix and Flip/Hold Loan

Who is this for?
Investors with a little experience under their belt who wants to make money flipping homes with as little initial investment as possible!
​Some exceptions on experience can be approved.

Basic Requirments:

• Credit Score over 660 (If less ARV goes down)
• Credit Score over 620 (with lots of experience)
• Proof of 3 flips in 3 years (If less ARV goes down)
• 5-6% Initial investment (Seller can contribute up to 6.5%)
• First 3 months Loan payments at closing
• 6 months Loan payment reserves
• Pay for the Appraisal upfront
• Project Cost Breakdown
• Fill out our commercial application (Through email)
• Income verifcation or cash flow analysis (No hard Max DTI)
• Basic Documents (Bank Statments, DL, SSN card ect.)
• Business documents

(It needs to make sense; some of the requirements could change or not be required)

Up to 75% ARV
Your ARV can change because of credit or experience

​When doing your own calculation, remember to add the purchase price of the property and the renovation costs, then divide the total by the ARV (0.75 unless changed).

​Also, remember that if it doesn't appraise for what you need, you can come in with some cash to fill the gap.