Underwrite the project
Model purchase, closing, renovation, financing, carrying, and selling costs.
Short-term project capitalSTRATEGY / 03
Acquisition, renovation, carrying cost, and exit—under one plan.
Structure short-term financing around the purchase, improvement scope, draw timing, carrying period, and realistic disposition costs.
03Fix&FlipFinancing
How the strategy works
A deliberate sequence from scenario to execution.
Match the capital
Choose a financing structure that can support the property condition and renovation timeline.
Control the draw
Coordinate advances, invoices, inspections, and contingency reserves where required.
Protect the exit
Plan for sale timing, refinance alternatives, and market delays before committing capital.
Example scenario
Illustrative—not a promise.
A renovator acquires a property needing material work with short-term financing, completes the scope over several months, and sells after accounting for interest, taxes, utilities, insurance, and transaction costs.
Potential paths shown are educational only. A Pro Mortgage Group advisor will review your complete application to determine available financing options.
Financing options
Private mortgage
Alternative lender
Interest-only structure
Draw-based renovation facility
Bridge or short-term capital
Potential benefits
Capital matched to project duration
Visibility into carrying and financing costs
A defined exit before closing
Important considerations
Resale value and timing are uncertain
Private capital commonly includes higher rates and fees
Cost overruns can materially change returns
Qualification factors
Experience and project plan
Sufficient equity and contingency
Marketable property
Credible sale or refinance exit
Frequently asked questions
Questions worth asking before commitment.
01Are flip loans usually open?+
Terms vary. Prepayment provisions, minimum interest, fees, and discharge costs must be reviewed before commitment.
02Can renovation funds be advanced upfront?+
Some structures use progress draws or reimbursements after completed work; the exact process depends on the lender.
Fix & Flip Financing
Financing is only useful when it serves the plan.
Build My Mortgage StrategyMortgage approval is subject to lender qualification, credit review, property eligibility, income verification and applicable lending guidelines.