Fix & Flip Loans Made Simple!
- Alisha
- 7 days ago
- 2 min read
💰 Real estate investing continues to be one of the most powerful ways to build wealth — and fix & flip projects remain a popular strategy for both new and experienced investors.
Whether you're renovating a property to sell for profit or holding it as a long-term investment, having the right financing in place is key to moving quickly and maximizing your returns.
🏡 What Are Fix & Flip Loans?
Before choosing a financing option, it’s important to understand the different loan programs available. You can explore all available options here:👉 https://www.ljmortgageteam.com/loanprograms
Fix & flip loans are short-term financing solutions designed specifically for real estate investors. These loans help cover both the purchase price of a property and the cost of renovations, allowing investors to transform properties and increase their value.
Unlike traditional mortgages, these loans are structured for speed, flexibility, and investment-focused scenarios.
🔑 Program Highlights
Here’s what you can expect with our fix & flip loan programs:
Minimum Credit Score: 700
Down Payment: Starting at 25%
Debt-to-Income Ratio: Up to 45%
Closing Costs: Estimated between 5%–7%
These guidelines are designed to support serious investors who are ready to take action in today’s market.
🏠 Designed for Investors
These loan programs are tailored specifically for investment properties, including:
Non-owner occupied residential properties
1–4 unit properties
Townhomes
Warrantable condos
Whether you're working on your first deal or scaling your portfolio, these programs provide the flexibility investors need.
📈 Loan Details
Our fix & flip loans are built to help you maximize leverage and returns:
Loan Amount: $50,000 – $3,000,000
Up to 90% Loan-to-Cost (LTC) — covering purchase and rehab
Up to 75% After-Repair Value (ARV)
12-Month Term (with 18-month options available case-by-case)
Full Recourse
This structure allows investors to take on larger projects with less upfront capital while still maintaining strong potential for profit.
🚀 Why Investors Choose Fix & Flip Loans
Fix & flip loans are ideal for investors who want to:
Move quickly on opportunities
Increase property value through renovations
Generate short-term profits through resale
Build long-term wealth through strategic investing
Speed and flexibility are critical in competitive markets — and these loan programs are designed to give you that edge.
📲 Ready to Get Started?
Want to see what you can afford or structure your next deal?👉 https://www.ljmortgageteam.com/affordability
If you're thinking about your next investment project, now is the time to take action. The right financing can make all the difference in securing deals and maximizing returns.
Let’s structure your next deal and help you move forward with confidence.
📍 LJ – Your Local Guide to Homeownership!
127-03 Rockaway BlvdSouth Ozone Park, NY 11420(516) 218-1297
LJ Realty TeamBuy • Sell • Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS# 2120286
Purchase & RefinanceNYS Registered Mortgage Broker,
NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
Important Disclosure: Mortgage Broker Only — Not a mortgage lender or mortgage correspondent lender. Licensed by the N.J. Department of Banking and Insurance. We do not make mortgage loan commitments or fund mortgage
loans.
NMLS ID #2120286
Terms and conditions apply.
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