top of page

Fix & Flip

Flipping houses is all about quality renovations in a speedy timeline. At Acorn Investment Capital, we streamline the underwriting process so you can move straight to renovating. You can either sell for a profit or refinance for leverage into a long-term loan with no pre-payment penalty.

Explore-Our-Loan-Programs-Fix-Flip (1).png

Finance up to 100% of acquisition and rehab costs. Includes our usual low rates with an option for no upfront points.

​

High leverage means more deals and more profit. Get pre-approved today to get started.

Program Terms
 

  • Loan Amounts: $75K - $1M
     

  • Rates: Starting at 9.5%

​

  • Points: 1-3

​

  • Geography: Nationwide (except North Dakota, South Dakota)
     

  • Property Types: SFR, Condo, Townhomes, 2-4 units

​

  • Loan Structure: 6-24 Month Terms with interest only payments
     

  • LTVs: Up to 75% ARV(After Renovated Value)or 92.5% LTC (Loan to Cost) whichever is less
     

  • DTI: Not Applicable (We don’t require tax returns or evaluate your personal income or finances when evaluating your application)
     

  • Business Loan: We only lend to LLCs, partnerships, corporations, or trusts

​

  • Credit Score: 640 minimum

Frequently Asked Questions

​

  • What is a Fix & Flip loan?

A Fix & Flip loan is a short-term (typically 12-month) loan designed to bridge the gap between when you buy a property and when you resell it for a profit. It can cover both the cost of the property and renovations (up to a predetermined Loan To Value limit).​

​

  • How does a Fix & Flip loan work?

Once approved for a Fix & Flip loan, you typically receive loan funds according to an agreed-upon draw schedule (while making interest-only payments). After the renovation is complete, you resell the property to repay the loan in full and keep the difference as profit or refinance to continue to grow your portfolio.​

​

  • What are the benefits of a hard money Fix & Flip loan?

Compared to traditional mortgages, hard money Fix & Flip loans offer faster and more flexible underwriting as lenders focus on the deal more than your personal creditworthiness. This lets you move fast, minimize upfront costs, and amplify your overall ROI.

​

  • Why do people use hard money loans rather than traditional loans?

While the interest rates on traditional loans are typically lower than hard money loans, the approval process is far more stringent and time-consuming. This can be a dealbreaker when you spot an opportunity for a fix and flip. In most cases, you need to move swiftly in order to capture the deal. That is why a hard money lender like Acorn Investment Capital can be so useful to investors. Effectively you get:

  • Flexible loan terms

  • Easy loan applications

  • Less stringent financial requirements

  • Speedy approval and closing

  • Fast proof of funds

​

​​

B.R.R.R.R. Method

Step 1- BUY

Buy a distressed property at a discount with a fix-and-flip loan.
bottom of page