Fix & Flip Loans for Real Estate Investors
Purchase, renovate, and sell investment properties with confidence. Star Rich Funding connects investors with lenders offering fast approvals, competitive terms, and financing designed specifically for fix-and-flip projects.
A Fix & Flip loan is a short-term financing solution designed for real estate investors purchasing properties that need renovation. These loans provide funding for both the property purchase and, in many cases, the renovation costs, allowing investors to improve and resell properties quickly for a profit.
Whether you are completing your first flip or managing multiple projects, Star Rich Funding works with lending partners to help you find financing that fits your investment goals.
Benefits of Fix & Flip Loans
Who Can Benefit?
✅ Fast approvals and funding
✅ Finance purchase and renovation costs
✅ Flexible loan structures
✅ Interest-only payment options (when available)
✅ Short-term financing designed for investors
✅ Higher leverage than many traditional lenders
✅ Close quickly on investment opportunities
Our lending partners work with:
- First-time fix & flip investors
- Experienced real estate investors
- House flippers
- LLCs and business entities
- Professional rehab contractors
- Investors purchasing distressed properties
What Are Fix and Flip Loans?
A Fix and Flip Loan, also known as hard money or bridge loan, is a specific type of asset-based loan.
At Star Rich Funding, we work with lenders who specialize in loans for fix-and-flip property opportunities.
Fix-and-flip loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are seldom issued by commercial banks. Hard money is like a bridge loan, which usually has similar lending criteria and costs to the borrowers.
REGULAR FINANCING.
- Up to 90% Purchase
- Up to 90% Rehab
- Up to 65% ARV
PREMIUM FINANCING
- Up to 100% Purchase
- Up to100% Rehab
- Up to 100% Closing cost
- Up to 75% ARV
Qualifications
Required Documentation
While programs vary by lender, borrowers generally should have:
- Minimum credit score (varies by lender)
- Down payment or available equity
- Investment property under contract
- Exit strategy (sale or refinance)
- Financial ability to complete the project
- Previous experience may improve loan options but is not always required
To begin the loan process, you may need:
- Government-issued ID
- Purchase contract
- Scope of work / renovation budget
- Property information
- Recent bank statements
- Entity documents (if purchasing through an LLC)
- Credit authorization
- Contractor information (when applicable)
Why Choose Star Rich Funding?
At Star Rich Funding, we understand that speed matters in real estate investing. We work with a network of private lenders to help investors secure financing for projects of various sizes.
Our goal is to simplify the funding process while helping you compare loan options that fit your investment strategy.
Frequently Asked Questions
How quickly can I close?
Many fix & flip loans can close in as little as 7–14 business days, depending on the lender and documentation.
Can renovation costs be included?
Yes. Many lenders offer financing that includes both the purchase price and approved renovation costs.
Do I need previous flipping experience?
Not always. Some lending programs are available for first-time investors, while experienced investors may qualify for additional financing options.
What types of properties qualify?
Many lenders finance:
- Single-family homes
- Duplexes
- Triplexes
- Fourplexes
- Condominiums
- Townhomes
Program eligibility varies by lender.
What credit score is required?
Credit requirements vary by lender. Stronger credit may qualify for more favorable terms, but financing options are available for a range of credit profiles.
Can I buy the property in an LLC?
Yes. Many fix & flip loans are available to investors purchasing through an LLC or other business entity.
Ready to Fund Your Next Investment Property?
Whether you’re purchasing your first investment property or scaling your real estate portfolio, Star Rich Funding is here to help you connect with lenders that understand real estate investing.
Get started today by requesting your free loan consultation.
Please Note: Loan programs, rates, terms, down payment requirements, eligibility, and approval timelines vary by lender and borrower qualifications. Contact Star Rich Funding to discuss available financing options for your investment property
Disclaimer
Loan programs, interest rates, terms, and qualification requirements vary by lender. All financing is subject to lender approval, underwriting guidelines, and applicable laws. Star Rich Funding is a loan broker and does not directly fund loans.
Real estate financing is subject to property review, borrower qualifications, and lender underwriting guidelines