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Fix & Flip Loans
Who This Is For
You're a real estate investor buying a 1–4 unit residential property that needs renovation. You plan to rehab and sell, or rehab and refinance into a long-term hold. You're looking for one loan that covers both the purchase and the rehab — not two separate deals. TAC Lending offers two fix and flip programs depending on your experience and deal profile.
How it Works
- Send us your deal details — property address, purchase price, rehab budget, your experience level.
- We respond with initial terms the same business day.
- You give us the go-ahead and we get started.
- We manage the process from documentation through closing.
Program details
Experienced Investor Fix and Flip (100% LTC) with no monthly payments
Experienced Investor Fix and Flip (100% LTC) with no monthly payments
Experienced Investor Fix and Flip (100% LTC) with no monthly payments
True 100% Financing on Purchase and Rehab with a Flat Fee charged at Payoff
- Active: NC, GA, VA
- Rate / Fees: No Monthly Payments or Up Front Fees. Contact for More Details.
- Leverage: Up to 100% of Purchase and up to 100% of Rehab; ≤70% ARV
- Term: 3-6 Months
- Size: $80K - $450K
- Valuation: 3rd Party Appraisal with case by case exceptions
- FICO: 700+
- Eligibility: Investment Purpose Only, Entity Required, 1-4 Unit Residential, 5+ Completed NC Deals w/in past 5 years, Subject to Liquidity Requirements and Underwriting
*Terms vary based on market, leverage, and credit
Fix and Flip (Standard 90%)
Experienced Investor Fix and Flip (100% LTC) with no monthly payments
Experienced Investor Fix and Flip (100% LTC) with no monthly payments
Conventional Investor Rehab - Appraisal Required
- Active: NC
- Rate: Contact for Current Rates
- Leverage: Up to 90% of Purchase and up to 100% of Rehab; ≤75% ARV
- Term: 9-12 Months (up to 18 on a case by case basis)
- Size: $50K - $3MM
- Valuation: 3rd Party Appraisal
- Eligibility: Experience Not Required; 1-4 Unit Residential; Entity Required
*Terms vary based on market, leverage, and credit
Frequently Asked Questions
The Standard program offers up to 90% of purchase and 100% of rehab with no experience minimum. The Experienced Investor program offers up to 100% financing (with no monthly payments or up front fees) for investors with 5+ completed NC deals and 700+ credit.
Yes — all TAC loans are investment-purpose only and require an entity.
For Standard Fix and Flips the average time is 2 weeks, but this can vary up or down depending on how fast we receive documentation and the scope of work. For the 100% Experienced Investor Fix and Flip Loans, we have closed in as little as 72 hours.
There is one single fee that is payable at the end of the loan when the property is sold or refinanced. That's it. No up front origination fee, no processing fee, no underwriting fee. Just one single fee payable at the end of the loan. We designed this option to maximize borrower liquidity during the life of the loan. We also offer a standard monthly interest structure — ask us which makes more sense for your deal.
Yes!
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Business‑purpose loans only. First‑lien only. Availability varies by state & program. Terms subject to change. Privacy Policy.
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