Fix and Flip Loan

Finance up to 93% of your purchase and rehab costs on distressed properties, built for experienced investors. Our streamlined process and draw-based rehab funding keep more of your capital in play, so you can renovate, sell, and maximize returns on every deal.

100%

of Rehab Costs

8.99%

Starting Rate

660

Minimum FICO

Program Highlights

  • Up to 90% of Purchase and 100% of Rehab Costs

  • Up to 93% LTC and Up to 75% ARV

  • Loan Amounts from $100K to $5M

  • 12–24 Month Terms, Interest-Only

  • Points Starting at 1.0%

  • No Prepayment Penalties

  • Mid-Construction or Renovation Refinances

  • Monthly Payments Rolled Into the Loan**

  • No Interest Charged on Undrawn Funds

  • 660 Minimum FICO

  • Closings as Fast as 14 Days

Why work with Uncapco Financial

No Experience Required

First-time investor? No problem. We’ll fund your first flip just as confidently as your 50th.

Advanced Structures for Seasoned Clients

- No Appraisal Options

- Up to 100% Financing

- Rolled-In Interest Payments

Program Flexibility

From cosmetic flips to major rehabs, mid-construction projects to no-reno bridge loans — we’ve got you covered.

Speed When It Matters

We’ve optimized our internal workflows to eliminate common lending bottlenecks, providing the quick turnaround times necessary to keep your investment portfolio moving forward.

Problem Solving

If something stalls during underwriting or funding, we don’t leave you hanging. We’ll pivot the deal to another lender in our network to keep your project on track

Fix-to-Rent Incentives

BRRRR investor? Earn a credit when you refinance your project into a long-term rental loan with us.

Frequently Asked Questions

Can I qualify if this is my first flip?

Yes. First-time flippers are eligible for financing. Available terms depend on your credit, property, renovation plans, and financial qualifications. A loan officer can review your scenario and explain the requirements.

How much cash will I need to close?

Your cash needed depends on the approved loan amount, down payment, closing costs, and reserve requirements. Financing is also subject to total project cost and after-repair value limits. Share your purchase price and rehab budget so we can review your scenario.

How do I receive the renovation funds?

Renovation funds are released through draws as work progresses. Your loan officer will explain the documentation, inspection requirements, and draw process for your loan.

Can you finance a property already under renovation?

Yes, financing options are available for qualifying projects already under renovation. We review the current loan, work completed, remaining renovation budget, and property value to determine available options.

What is the minimum loan amount?

Fix & flip loan amounts range from $100,000 to $5 million. Your available loan amount depends on the property, project costs, and program eligibility.

How quickly can my loan close?

Closings can happen in as few as 14 days. Timing depends on a complete application, required documents, property review, title work, and underwriting. Tell us your target closing date when you submit your deal.

How do I request a term sheet?

Complete our application with your property and renovation details. We will review your submission, follow up for any additional information, and prepare a term sheet for your review.

READY TO GIVE US A TRY?

Investor Financing That Actually Works for Pros Like You

Apply Today for Competitive Terms, High LTVs, and Quick Decisions – Backed by Real Experience