First Capital program · Independent placement

Fix & Flip Financing

Short-term acquisition and renovation capital for residential investment projects.

Fix-and-flip financing is generally structured around acquisition, renovation scope, sponsor experience, property value, and a credible exit. It is distinct from larger commercial construction financing.

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Fit and review

What to know before you start.

Best for

  • Single-family and small-residential flips
  • Ground-up construction on infill lots
  • Value-add rehabs into DSCR refi
  • Repeat investors scaling a portfolio

Documents and review factors

  • Property and purchase information
  • Detailed renovation budget and timeline
  • Sponsor experience and liquidity
  • Exit strategy and supporting valuation

Placement process

A structured path from request to potential options.

01

Share property address, purchase price, and rehab budget.

02

Underwriting sizes loan to LTC and after-repair value (ARV).

03

Close, fund purchase, and open the construction draw schedule.

04

Rehab draws released against inspections; balloon at exit.

From the Answer Center

Common questions business owners ask.

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Ready to move on Fix & Flip Financing?

Start with the request. A First Capital advisor will review the information and help identify potential options from independent third-party providers.