Fix and Flip Loans
Buy, renovate, resell — funded.
Fix and flip loans are short-term, interest-only financing for buying and renovating a property to sell or refinance. Leverage is based on both the purchase-plus-rehab cost and the after-repair value.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
Fix and flip loans fit investors buying distressed or dated property to renovate, then sell or refinance. The loan is short-term and interest-only, sized to both the purchase-plus-rehab cost and the after-repair value. Some programs accept first-time investors, and experience improves leverage. Bring the purchase contract, rehab scope and budget, and your experience schedule, and we match it to programs in our lender network.
Why Fix & Flip
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Investors buying distressed or dated property to renovate — some programs accept first-time investors, and experience improves leverage.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Leverage | About 80–90% of purchase and rehab cost, capped near 70–75% of after-repair value |
|---|---|
| Typical term | About 12 months, interest-only |
| Properties | 1 to 20 units |
| Credit | Mid-600s and up helps; experience improves terms |
| Paperwork | Purchase contract, rehab scope and budget, experience schedule |
| How fast | Some programs close in three to five business days; two to three weeks is common. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for fix & flip loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 03Subject property address & detailsproperty
- 04Property insurance quote / binderproperty
- 05Entity docs (operating agreement, EIN letter)entity
- 062 months bank statements (reserves & cash to close)bank
- 07Rehab scope & budgetproperty
- 08Real-estate experience / REO scheduleproperty
Industries we often advise on for Fix & Flip Loan
Where fix & flip loan is one of the best-fit options for how the business earns.
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