Fix & Flip Loans

 Flexible Fix and Flip loans built for real estate investors who need speed, reliability, and a lender who understands market fluctuations.

01

Versatility

From light cosmetic upgrades to full-scale renovations, Black Swan Lending provides competitive financing for a wide range of Fix & Flip projects.

02

Industry Insight

We know that house flipping is fast-moving and unpredictable, so our programs are designed with the realities of real estate investing in mind.

03

Speed & Flexibility

Close deals quickly, secure renovation funds with confidence, and adjust your strategy as the market shifts.

04

Trusted Partnership

With BlackSwan Lending, you gain a lending partner who understands the challenges and opportunities of your business.

Built Different

Built to fund what others wont

First time investors

Partial Construction (Pari Passu) Funding

Funded Interest Reserves

Highlights

Fix and Flip Loan Details

Black Swan Lending calculates financing terms on the strength of the asset – giving you a path to funding, regardless of your background  

Fix and Flip

Loan Size
Up to $10,000,000
LTC
Up to 95%
Construction Financing
100%
LTV
Up to 75% of the ARV
Term
Up to 24 Month Options
Interest rates
from 7.99%
Origination
1.00% - 3.00%
Loan Types
Purchase, Rate & Term, Cash-Out, Delayed Purchase
Minimum FICO
660
Fix and Flip loan

When is Fix and Flip loan the right choice?

1
Designed for investors purchasing, renovating, and reselling properties quickly
2
Also available for refinance + rehab strategies
3
Perfect for short-term value-add opportunities
Case Study

Uses for Fix and Flip Loans

You Intend to Sell After Renovation
  • Your goal is to resell the property (not hold it long-term).
  • You’re targeting a 3–12 month turnaround from purchase to sale.
You’re Refinancing to Rehab an Existing Property
  • You already own the property and want to unlock funds for renovation.
  • You’ll sell the property or refinance into long-term financing after rehab.
You’ve Found a Distressed or Undervalued Property
  • The property needs repairs or updates to reach market value.
  • You plan to increase its value through cosmetic or structural improvements.
You Need Fast, Short-Term Financing
  • Traditional financing takes too long or isn’t available due to the property’s condition.
  • You need quick capital to compete with cash buyers.
You’re an Investor Looking to Build Experience or Scale

Fix and flip loans are ideal for both newer and seasoned investors executing short-term strategies.

Testimonials

What Our Clients Are Saying

FAQ

Frequently Asked Questions

Is Experience Required?

No, experience is NOT required to obtain financing on a fix and flip project. However, experience may assist in obtaining more competitive interest rates or leverage options.

  • Fix-and-Flip Value: The total cost of acquiring the property and completing the renovations.
  • After Repair Value (ARV): The market value of the property after all repairs and improvements have been made–the profit is the difference between the ARV and the fix-and-flip value.
  • 1-4 residential fix & flips
  • 650+ Credit
    • 100% Funding up to 65% of ARV
  • 700+ Credit
    • 0-2 Experience: 100% Funding up to 70% of ARV
    • 3+ Experience: 100% Funding up to 75% of ARV
  • Closing costs, processing fees, and points still required at closing

Contact Us

Proven Team. Trusted Lending Partner.

With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with hundreds of real estate investors on projects nationwide.