Fix and Flip Loans in the Bay Area & California
Short-term financing for property investors. Fast closings, interest-only payments, and up to 90% LTV. Fund your next renovation project.
Overview
Flipping in Contra Costa, Alameda or Sacramento County is a speed game: the investor who can close in days and fund the rehab without draining cash wins the deal. Our fix-and-flip programs are built for that, with high leverage on both the purchase and the renovation budget, interest-only payments during the project and closings measured in days rather than weeks.
Purpose-built for real estate investors who buy, renovate, and sell properties. Our fix-and-flip loans offer fast closings, interest-only payments, and high leverage so you can maximize your return on investment.
Program Features
- Up to 90% of purchase price
- 100% of renovation costs financed
- Interest-only payments
- Close in as fast as 10 days
- 12-18 month terms
- No prepayment penalties
- Experienced and first-time flippers welcome
Ideal For
House flippers, renovation investors, real estate entrepreneurs, and property rehabbers.
How fix-and-flip financing works
The loan covers the purchase price and, in most programs, 100% of the renovation budget, funded in draws as work is completed and inspected. Terms run 12–18 months with interest-only payments, and the loan is paid off when you sell or refinance into a long-term DSCR loan if you decide to keep the property as a rental. Leverage of up to 90% of the purchase price is available for experienced investors.
What lenders look at
The after-repair value (ARV), your renovation scope and budget, your experience (the number of completed projects in the last few years), credit, and liquidity for the down payment and reserves. First-time flippers can qualify at somewhat lower leverage. Documentation is light compared with a conventional loan: no tax returns, and the property, not your income, carries the file.
Why speed and structure matter
We work with lenders who can close in 7–14 days and fund draws within days of inspection, so contractors keep moving. We also plan the exit up front: if the numbers favor holding, we line up the DSCR refinance before the rehab is done. Subject to credit approval; programs and leverage vary by lender and experience.
Fix & Flip Loan FAQs
How fast can a fix-and-flip loan close?
Often in 7–14 days once the appraisal or valuation is in. Speed is the main reason investors use these programs.
Does the loan cover renovation costs?
Yes. Most programs fund up to 100% of the approved rehab budget, released in draws as work is completed.
Do I need experience?
Experience improves leverage and pricing, but first-time investors can qualify with a solid plan, adequate reserves and, ideally, an experienced contractor.
What if I decide to keep the property?
You refinance into a long-term DSCR loan. We plan that exit at the start so there is no gap between the two loans.
What is the maximum leverage?
Up to 90% of the purchase price plus 100% of renovation for experienced investors, capped by a percentage of the after-repair value. Exact terms depend on the lender and the project.
Programs, terms and eligibility vary by lender and are subject to credit approval. This is not a commitment to lend. SiFi Lending is a mortgage broker (Simonich Financial, Inc., NMLS #2563307); we arrange loans, we do not make loans. Equal Housing Opportunity.