Fix and flip investing remains one of the most profitable real estate strategies in 2026. But success hinges on one critical factor: how you finance the deal.
What Is Fix and Flip Financing?
Fix and flip loans are short-term financing solutions designed specifically for investors who purchase properties, renovate them, and sell for a profit. Unlike traditional mortgages that take 30-45 days to close, fix and flip loans can fund in as little as 7-10 days.
Types of Fix and Flip Loans
Cosmetic Rehab Loans
For properties that need non-structural improvements — paint, flooring, kitchen/bath updates, landscaping. These are the fastest to close and typically require no prior experience.
- Loan amounts: $100K – $3M
- Up to 95% LTC / 75% ARV
- No experience required
- Budget can be self-funded, partially funded, or fully funded
Structural Rehab Loans
For major renovations — foundation work, additions, full gut rehabs. These require more experience but offer higher profit potential.
- Loan amounts: $100K – $2M
- Up to 80% LTC / 75% ARV
- Minimum 2 completed projects in last 36 months
- In-house construction management & draw schedule
How to Calculate Your Fix and Flip Budget
Before applying for financing, you need three numbers:
- Purchase Price — What you’re paying for the property
- Rehab Budget — Total renovation costs (add 15% contingency)
- After Repair Value (ARV) — What the property will sell for post-renovation
The golden rule: your all-in cost (purchase + rehab + holding costs) should be no more than 70-75% of ARV.
Why Choose Hard Hat Capital for Your Next Flip?
We’re not just lenders — we’re builders. Our team understands construction timelines, draw schedules, and the reality of renovation projects. That’s why we offer in-house construction management and servicing on every loan.