Fix & Flip Loans

Flexible Financing for Real Estate Investors Looking to Buy, Renovate, and Sell

A Fix & Flip Loan is a short-term financing solution designed for real estate investors aiming to purchase, renovate, and resell residential properties for profit. Whether you’re tackling a light cosmetic upgrade or a full-scale rehab project, ZipBuy CRE provides the fast, accessible capital needed to maximize your return on investment.

This type of loan allows you to leverage the property’s current value (“as-is”) and receive construction draws throughout the renovation process, giving you the control and cash flow required to complete the project efficiently.

🛠️ What Is a Fix & Flip Loan?

Fix & Flip loans are specifically structured to fund both the purchase price and the renovation budget of investment properties. These loans are ideal for short-term projects, typically lasting 12 to 18 months, with interest-only monthly payments and no prepayment penalties—allowing investors to exit the loan upon sale or refinance with minimal cost.

💼 Standard Loan Terms

• Maximum Loan Amount: Up to $5,000,000
• Loan Term: 12–18 months
• Payment Structure: Monthly interest-only payments
• Balloon Payment: Due at maturity
• Prepayment Penalty: None – close early without extra fees
• Funding Structure:
  • Initial Draw: Based on the “as-is” value of the property
  • Renovation Funds: Disbursed in construction draws as work is completed

🏠 Eligible Property Types

ZipBuy CRE finances a wide range of residential investment properties, including:

• Single-Family Residences
• Condominiums
• Townhouses
• 2–4 Unit Properties
• Multifamily Homes
• Additional property types considered on a case-by-case basis

🔍 Ideal for Real Estate Investors Who Want To:

✅ Acquire undervalued or distressed residential properties
✅ Fund renovations without using personal capital
✅ Maximize resale value within a short period
✅ Refinance into long-term rental financing after rehab
✅ Work on multiple flips with access to higher loan limits

🚀 Why Work with ZipBuy CRE?

• 🏡 Investor-Focused Financing – Built for rehab and resale
• 💸 Fast Closings & Flexible Draws – Stay on your timeline
• 📊 Competitive Rates – Designed to optimize ROI
• 💼 Experienced Lending Partners – Guidance from deal to closing
• 🧾 No Prepayment Penalties – Sell or refinance on your terms
• 🌍 Nationwide Programs – Available in most U.S. states