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Fix & Flip Loans
Up to 100% of purchase and rehab. New investors up to 90%.
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.
Related questions
I've never done a fix and flip. Can I still get a loan?
Who does 100% financing including renovation costs?
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%)
Experienced Investor Fix and Flip (100%)
Experienced Investor Fix and Flip (100%)
Appraisal Required
- Active: NC, GA, VA
- Rate: Contact for Current Rates
- Leverage: Up to 100% of Purchase and 100% of Rehab; ≤75% ARV
- Term: 9-12 Months
- Size: Up to $800K
- Experience: 10+ Completed Flips in the Last 3 Years (5+ in the Same State)
- FICO: 720+
- Eligibility: Partners on the loan can combine their flips to qualify; Light to Moderate Rehab; 1-4 Unit Residential; Entity Required
*Terms vary based on market, leverage, and credit
Experienced Investor Fix and Flip (95%)
Experienced Investor Fix and Flip (100%)
Experienced Investor Fix and Flip (100%)
Experienced Investor Rehab - Appraisal Required
- Active: NC, GA, VA
- Rate: Contact for Current Rates
- Leverage: Up to 95% of Purchase and 100% of Rehab; ≤75% ARV
- Term: 9-12 Months
- Experience: 5+ Completed Flips in the Last 3 Years
- FICO: 700+
- Eligibility: Partners on the loan can combine their flips to qualify; Light to Moderate Rehab; 1-4 Unit Residential; Entity Required
*Terms vary based on market, leverage, and credit
Fix and Flip (Standard 90%)
Experienced Investor Fix and Flip (100%)
Fix and Flip (Standard 90%)
Conventional Investor Rehab - Appraisal Required
- Active: NC, GA, VA
- 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 with case by case exceptions
- Eligibility: First-Time Flippers Welcome; 1-4 Unit Residential; Entity Required
*Terms vary based on market, leverage, and credit
Frequently Asked Questions
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.
Yes, first-time flippers are welcome. How much we can finance depends on your credit and the deal.
Yes, if you have the experience. With 10 or more completed flips in the last 3 years and a 720+ credit score, you can get 100% of the purchase and 100% of the rehab. With 5 or more flips and a 700+ score, you can get 95%. Partners on the loan can combine their flips to qualify.
New investors with a 700+ credit score can get up to 90% of the purchase and 100% of the rehab. Some of our lenders also allow gap funding, and we can refer you to a gap funding partner to help cover the down payment.
TAC Lending
227 East Front Street, New Bern, North Carolina 28560, United States
Copyright © 2026 TAC Lending - All Rights Reserved.
Business‑purpose loans only. First‑lien only. Availability varies by state & program. Terms subject to change. Privacy Policy.
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