Fix and Flip Loan

Our Fix and Flip loan program is designed to give real estate investors the capital they need to move quickly and confidently on their projects. We offer financing of up to 90% of the purchase price along with 100% coverage of renovation and rehab costs,

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Why Choose Investors Mortgage Group For Fix and Flip

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

How WE Evaluate Fix and Flip Loans

At Investors Mortgage Group, we’re more than just a national lender—we’re a trusted financing partner for real estate investors seeking fast, dependable funding. This section is designed to provide a clear and transparent overview of how we evaluate fix-and-flip opportunities nationwide. Below is an outline of how we assess your deal.

We Prioritize Profitable Projects

At Investors Mortgage Group, we focus on funding deals with strong upside and realistic exit strategies. Typically, this includes:

Loan amounts up to 75% of After Repair Value (ARV)

Projects with a minimum projected ROI of 20%

ARVs supported by credible sold comparables, not inflated active listings

Our goal is to support win-win projects where both the investor and lender are positioned for success.

We Align Rehab Scope With Investor Experience

As investors build a proven track record, access to larger and more complex projects increases:

Beginner investors should focus on moderate rehabs
(Rehab costs ≤ 50% of purchase price)

Intermediate investors with 1–2 completed projects may pursue heavier rehabs
(Rehab costs ≤ 100% of purchase price)

Experienced investors with 3–5+ completed projects may qualify for expansion or large-scale rehabs. Most successful fix-and-flip and BRRRR investors follow a repeatable strategy centered around light to moderate rehabs.

We Reward Creditworthy Borrowers

Although our loans are asset-based, borrower credit remains an important factor:

Strong credit is one of the best indicators of successful fix-and-flip outcomes across our portfolio

Higher credit utilization is common among real estate investors and is acceptable for underwriting

Borrowers with a credit score of 660 or higher are encouraged to apply

We Lend in Strong Submarkets

Leverage is adjusted based on local market conditions:

Up to 75% LTARV in strong housing markets

More conservative leverage (70%–65% LTARV) in softer or declining submarkets

As of 2025, most U.S. housing markets remain stable, with no widespread indicators requiring reduced leverage.
We are cautious in high-crime or rural areas and typically reserve these markets for experienced investors only.