Fast & Flexible. Built for Your Next Investment.
Flipping is a fast-paced industry, and success requires a lender who understands market shifts and supports your goals. At Turning Point Lending, we provide the flexibility and reliability you need to stay ahead and succeed.
Fix and Flip
Competitive Rates
Boost your profits with our competitive rates and tailored Fix and Flip loan terms.
Quick Closing
Close in as little as 7 business days and stay competitive with cash buyers.
High Leverage
Keep your capital intact with financing of up to 90% LTC on our Fix and Flip Loans.
Funding Your Next Flip with Speed and Flexibility.
Our Fix and Flip Loans are structured for quick approvals and competitive rates, empowering you to act on opportunities when they arise. With flexible terms and a streamlined process, you can confidently navigate your next project from purchase to profit.
Fix and Flip Program Highlights
Loan Amount: $75,000 - $3,000,000
Up to 90% of the purchase price
Up to 100% of the rehab budget
Fast draw process, disburse funds in as little as 3 days
Up to 24-month term available
1-4 Single-Family Homes, Condos, Townhomes
LLCs, LPs, and Corporations
The Edge You Need to Flip with Confidence
At Turning Point Lending, we understand that speed is the key to your success. In the fast-paced world of Fix and Flip investments, delays can cost you opportunities. That’s why our streamlined, hassle-free application process is designed to get you approved and funded quickly.
But speed doesn’t mean cutting corners. We carefully balance efficiency with responsibility, ensuring every loan is secure, reliable, and tailored to your needs. With years of experience as real estate investors, we know the challenges you face—and we’re here to help you overcome them.
Trusted in 45 states, Turning Point Lending has built a reputation on proven results, strong partnerships, and the expertise to help investors succeed. We’re more than a lender—we’re your partner in growth, helping you secure the funding and confidence you need to thrive in today’s competitive market.
Fix and Flip FAQ
If you’re a fix and flip investor or looking to fix and hold properties, we want to be your trusted fix and flip lender. Since we started out as house flippers ourselves, we understand exactly what it takes to succeed.
Your flipping projects require a reliable team, fast financing, and the flexibility to ensure profitability. Whether you need fix and flip funding or guidance throughout your real estate investment journey, we provide the responsiveness and expertise to help you secure more deals and maximize returns.
Have questions about fix and flip loans? Whether you want to know how our lending process works or what it takes to get started, we’ve answered some of the most common questions real estate investors ask about fix and flip financing below.
What are Fix and Flip Loans?
Fix and flip loans are short-term real estate investment loans designed for investors who buy properties, renovate them, and quickly sell for a profit or refinance to hold as a rental. These loans provide fast funding and flexible financing to help investors cover the purchase price, renovation costs, and carrying expenses.
At Turning Point Lending, we specialize in fix and flip financing that gives you the speed and flexibility needed to acquire, renovate, and sell properties efficiently. Whether you’re flipping houses or using the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat), our private money loans ensure you have access to the capital you need to scale your real estate investment business.
What Are the Requirements for a Fix and Flip Loan?
The requirements for a fix and flip loan vary by lender, but private lenders typically focus on the property’s value and the investor’s experience rather than just credit scores. Here are the most common criteria:
- Property Type – The loan must be used for non-owner-occupied residential properties intended for renovation and resale.
- Down Payment & Loan-to-Value (LTV) – Most lenders finance up to 90% of the purchase price and 100% of rehab costs, depending on the deal.
- Credit Score – While traditional lenders have strict credit score requirements, private lenders prioritize the deal’s profitability. A credit score of 650+ is typically preferred, but lower scores may be considered.
- Experience Level – Having previous fix and flip experience is helpful but not always required. First-time investors can qualify with a strong deal and solid financials.
- Exit Strategy – Lenders want to see a clear plan for selling or refinancing the property within the loan term (usually 6 to 12 months).
- Reserves & Liquidity – Most lenders require cash reserves to cover loan payments, closing costs, and unexpected rehab expenses.
At Turning Point Lending, we provide fast, flexible fix and flip financing with investor-friendly terms designed to help you secure profitable deals with ease. Our customized loan programs ensure you have the capital and support needed to grow your real estate business confidently.
What Are the Costs of a Fix and Flip Loan?
The cost of a fix and flip loan depends on several factors, including the loan amount, interest rate, loan term, and lender fees. Unlike traditional mortgages, fix and flip loans are short-term, asset-based loans designed for speed and flexibility. Here’s a breakdown of typical costs:
- Interest Rates – Usually range from 10% to 13%, depending on the loan structure and borrower experience.
- Points (Origination Fees) – Typically 1 to 3 points (1% to 3% of the loan amount).
- Loan Term – Most fix and flip loans are 6 to 12 months, reducing long-term interest costs.
- Down Payment – Varies based on LTV (Loan-to-Value), but lenders often fund up to 90% of the purchase price and 100% of rehab costs.
- Other Fees – May include processing fees, appraisal fees, and closing costs.
At Turning Point Lending, we structure our fix and flip loans to keep costs low while maximizing your profit potential. Our competitive rates, fast approvals, and flexible terms ensure that your financing supports—not limits—your investment strategy.
Do I Need a Fix and Flip Loan If I Can Self-Fund My Project?
Even if you have the cash to self-fund your project, using a fix and flip loan can be a strategic advantage. The most successful real estate investors leverage financing to maximize their capital, scale faster, and reduce risk. Here’s why:
- Preserve Capital for More Deals – Instead of tying up all your cash in one project, financing allows you to spread your capital across multiple investments, increasing your earning potential.
- Maintain Strong Cash Flow – Unexpected rehab costs or market shifts can impact your budget. A loan ensures you have the financial flexibility to handle any situation.
- Small Cost, Big Returns – When used efficiently, a fix and flip loan is a small soft cost compared to the overall profitability of a well-managed flip.
At Turning Point Lending, we structure our loans to give you the speed, flexibility, and leverage needed to grow your real estate business efficiently.
Why Choose Turning Point Lending for Your Fix and Flip Loans?
At Turning Point Lending, we do more than provide fix and flip loans—we partner with real estate investors to create tailored financing solutions that fit their unique needs. Our fast approvals, competitive rates, and flexible terms give you the capital and confidence to purchase, renovate, and sell properties for profit.
Unlike traditional lenders, we take a relationship-driven approach, offering the support and expertise needed to help you scale your investment business.
Contact us today and let’s build your next deal together!
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