Fix & Flip Loan Details

When It Comes to Your Project, Leverage Is King

You know it, we know it. That’s why we structure our loans in a way that allows you to spread out your capital to more projects, retain equity to put back into your business, and keep more cash available for the next fix and flip deal.

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FixNFlip details side house

Cookie Cutter or Cutting Edge?

Every real estate investor is different, so we take the time to learn what features are most important to you and your strategy. With that information, we create optimal financing solutions tailored to your unique project needs.

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Select Your Flip Financing Terms.

Some fix and flips are fast. But sometimes permits take awhile. Other rehab projects drag on longer than expected. We offer 13, 19, and 24-month terms — so you have the time you need to do the project right and stay on budget.

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Flex Your Rate and Fees.

Planning to be in and out quickly? Take a higher interest rate and reduce your origination fees. Use your cycle time to your advantage and bring even less down at closing.

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Reduce Costs. Improve Margins.

Our Home Depot Pro XTRA partnership lets you save up to 20% on materials for your rehab. When you’re tracking expenses, every saving matters.

Markets We Serve

Wherever You Find a Fix and Flip Deal, We're There.

At Lima One, we’re proud to serve all market types and offer loans across 46 states. That means no matter where your next project may be, there’s a good chance we’ll be there to provide the fix and flip financing and funding you need.

Urban

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Urban overview

Urban

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Urban overview

In densely populated markets where competition is fierce and properties are in high demand — locations like New York City, Los Angeles, Chicago, and Dallas — we give you the power to act quickly and land the big deals that offer the highest return on your investment.

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Suburban

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Suburban overview

Suburban

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Suburban overview

Looking for investment properties in suburban markets that are smaller than the big cities but offer many of the same features and conveniences that growing populations look for — locations like Austin, Tampa, and San Diego? Our loan programs provide the optionality you need to pursue everything from no rehab to heavy rehab projects.

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Rural

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Rural overview

Rural

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Rural overview

When your investment strategy takes you to smaller cities or rural markets where the property values are lower and heavy rehab requirements offer a huge upside — think places like Charleston, Boise, and Tucson — our fix and flip loan programs give you the flexibility and leverage to complete multiple deals quickly for maximum profit.

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FixNFlip

Fix & Flip Loan From Lima One

We’ve designed our FixNFlip loans to make your flip as smooth and efficient as possible. In addition to covering up to 100% of your construction budget, we give you draws on your rehab costs in as little as four days, depositing the money right into your bank account. As an added perk, we also offer a Home Depot Pro XTRA partnership that allows you to save up to 20% on materials.

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FixNFlip Details
  • Up to 92.5% LTC, 75% LTARV
  • Loans from $75K to $3M
  • 13, 19 & 24-month term options
  • Non-recourse available
  • Interest only loans
  • 1 - 4 Unit Properties
  • In-house construction management
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Fix2Rent

Fix2Rent Program From Lima One

If your strategy shifts or you decide to expand the scope of your investments to include rentals, our Fix2Rent program has you covered — and keeps the same priority on leverage and speed. And if you refinance from a Lima One FixNFlip loan to a Fix2Rent loan, we’ll even knock 50bps off the origination fee.

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Fix2Rent Details
  • Single property and portfolio loan options
  • Fast, simple closings on both the construction loan and rental loan
  • 13, 19 & 24-month term options
  • Choose a fixed or adjustable rate mortgage on the rental loan
  • Waived seasoning requirements available

Looking for Inspiration?

See how we’ve helped clients just like you with fix and flip financing.

Case Study

Greenville, SC

19 Harvest Lane in Greenville, SC

A repeat borrower used Lima One’s fix and flip loan to rake in massive profit on a luxury home.

View Case Study

$1.088M

Loan Amount

$1.45M

After-Repair Value
Fix and Flip Financing Insights

Learn More About What Lima One Has To Offer.

Fix and Flip
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a new wall being constructed in a home's a modern kitchen
Fix and Flip
Some New (And Old) Findings From 2nd Quarter 2023 Fix and Flip Data
ATTOM data recently released its latest fix and flip data, covering the second... ...
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Still Have Questions About Fix and Flip Financing? Need More Details? Ready To Go?

Whatever you need, we’re here to help. Reach out today.

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