Fix and Flip Loan

Finance up to 95% 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

9.75%

Starting Rate

660

Minimum FICO

Program Highlights

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

  • Up to 95% 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 receive a Rehab loan if I’m a new investor?

Uncapco Financial welcomes new investors with high leverage, great rates, and support to help you scale.

Can I get a rehab loan if my property is already under construction?

Yes. Uncapco Financial offers mid-construction refis when others won’t, keeping your project funded and moving.

How do I receive the rehab funds?

Draws are quick and hassle-free, with funds typically released within 3–5 days.

What is the minimum purchase price?

$75,000

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