Fix and Flip Loans

At Express Capital Financing we are direct lenders that have extensive experience with providing funding for acquistion & Rehab projects as well as Bridge financing. Our loan program allows for flexibility and quick access to capital that is in line with our swift underwriting procedures. We lend on loan sizes up to $5,000,000 on a 1 to 2 year short-term loans.

WHAT WE OFFER: Collateral based loans, up to 90% of the acquisition and 100% of the renovation cost, Closing Within 3-5 days, Not Credit Sensitive, Commitment In 48 Hours, Underwrite and Fund In-House.

  • Quick closings
  • Single Family, 2-4 Units, Multifamily (up to 30 units)
  • Foreclosures, Auctions – Short sales are our specialty
  • Construction ground-up for single family home up to 4 units
  • minimum loan $50,000
  • Nationwide lenders
  • *New Program* open line of credit for unlimited deals and financing

TRY OUR FIX & FLIP CALCULATOR

In order to assist house flippers, we have provided a free calculator to help put finances into perspective, so you know how much financing you will need to make your next fix and flip project a huge success.

Try Our Deal Calculator

Submit your deal by filling out the quick quote form on this page for no obligation or cost and get a term sheet within a few hours.

New Construction/Condo Conversion Loan

Express Capital Financing offers competitive financing for acquisition, development and construction loans for builders and developers.

WHAT WE OFFER:

  • Up to 85% of Project Cost
  • 12-24 Month Term – Interest Only
  • Interest Reserves can be built in
  • Redevelopment, conversion and condo loans also permitted
  • Eligible Property Types: townhouses,condo loans also permitted
  • Loans from $500K to $5M
  • Spec development allowed
  • Nationwide Footprint
  • Negotiable release prices on multi-asset projects
  • Fast approvals and funding since we are not a bank

Download Program Requirements

Rates & Terms

Residential Fix and Flip (Purchase and Refinance):

View Rates & Terms
Guildelines Criteria
Minimum Loan $50,000
Maximum Loan $5,000,000
Maximum LTV 90% of purchase price 100% of rehab 70% of ARV 85% of the as is value. Max LTV is $3,000,000.
Purpose Purchase
Refinance
Lien Position 1st only
Timing (estimated) Term Sheet: 24-48 hours Closing: 2 weeks
Term 6-18 months
Location Nationwide
Interest Rates Starting at 8%-12%
Rehab Holdback Only incurs interest as the monies are drawn upon
Origination Fees 2.00-4.00 points
Amortization Interest only
Recourse Recourse
Borrower Entity Individual or Entity
Property Types Single Family 2-4 Units, up to 20 units now available

Commercial Fix and Flip (Purchase and Refinance):

View Rates & Terms
Guildelines Criteria
Minimum Loan $250,000
Maximum Loan No Max
Maximum LTV 80% of purchase price 100% of
rehab
70% of ARV
75% of the as is value
Purpose Purchase
Refinance
Lien Position 1st only
Timing (estimated) Term Sheet: 24-48 hours Closing: 2 weeks
Term 6-18 months
Location Nationwide
Interest Rates 8.0% – 12.90%
Rehab Holdback Only incurs interest as the monies are drawn upon
Origination Fees 2.00-4.00 points
Amortization Interest only
Recourse Recourse and Non-Recourse
Borrower Entity Individual or Entity
Property Types Multifamily, Retail, Mixed Use, Office, Industrial and Warehouse, Self-storage, Skilled and assisted living, flagged hotels and motels, strip centers – most property types accepted except primary homes