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Residential Fix & Flip Loans

House flipping? A fix & flip loan can help.

A residential fix & flip loan is a short-term loan used to finance the purchase and renovation of a property that will then be sold for a profit.

These loans are typically used by real estate investors who are looking to flip properties quickly. Hard money fix & flip loans cost more than traditional mortgages, but they are built for investors who need quick access to capital or who do not meet the lending criteria of traditional lenders.

SFR Capital is a direct, balance-sheet lender: we underwrite, fund and service our own first-lien loans, so approval depends on the property and the deal — not on a committee.

Indicative terms — every program
Loan amount$100K – $3.5M
Max loan-to-valueUp to 75%
Term12 months (up to 24)
StructureInterest-only
PaymentsMonthly
CollateralResidential, non-owner-occupied
LienFirst lien only

Terms are indicative; the current sheet is always the rates page.

Easy, fast, certain

Easy. Traditional loans are complicated and confusing. SFR Capital's fix & flip loans are simple to understand.

Fast. An application that takes about five minutes is only the first way SFR Capital makes fix & flip loans fast.

Certain. Underwriting asks for factual information about the property and its ownership — nothing else.

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Where we lend

We lend across Florida, and most of our work is in the three South Florida counties:

Other programs: Residential Bridge Loans · Residential Buy & Hold Loans · Multi-Family Loans · Articles