{"id":400,"date":"2025-04-03T11:27:41","date_gmt":"2025-04-03T11:27:41","guid":{"rendered":"http:\/\/www.adamsauctionserv.com\/?p=400"},"modified":"2025-05-01T23:01:33","modified_gmt":"2025-05-01T23:01:33","slug":"6-best-fix-and-flip-loans-in-2025","status":"publish","type":"post","link":"http:\/\/www.adamsauctionserv.com\/index.php\/2025\/04\/03\/6-best-fix-and-flip-loans-in-2025\/","title":{"rendered":"6 Best Fix and Flip Loans in 2025"},"content":{"rendered":"<p>When you need to finance a house flip, you need a loan that offers a repayment term that fits your project timeline, can close quickly, and, of course, doesn\u2019t have unrealistic eligibility requirements. Although the best fix and flip loans will vary based on the specifics of your business, I\u2019ve picked out six with high LTC (loan-to-cost) ratios, flexible terms, and fitting for investors of all backgrounds and experience levels.<\/p>\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/kiavi-loans\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Kiavi<\/a><\/strong>: Best for quick and easy funding<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/lima-one-capital-fix-and-flip-loan\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Lima One Capital<\/a><\/strong>: Most versatile fix and flip loan<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/rcn-capital-loan\" target=\"_blank\" rel=\"noopener sponsored nofollow\">RCN Capital<\/a><\/strong>: Best for experienced investors<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/flip-funding\" target=\"_blank\" rel=\"noopener sponsored nofollow\">Flip Funding<\/a><\/strong>: Best for new investors and home flippers<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/new-silver-fix-and-flip-loan\" target=\"_blank\" rel=\"noopener sponsored nofollow\">New Silver<\/a><\/strong>: Best for quick funding through AI<\/li>\n<li><strong><a href=\"https:\/\/link.technologyadvice.com\/r\/corevest-finance\" target=\"_blank\" rel=\"noopener sponsored nofollow\">CoreVest Finance<\/a><\/strong>: Best for high-volume investors<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Comparison\">Overview of the best fix and flip loans<\/h2>\n<table id=\"tablepress-2571\" class=\"tablepress tablepress-id-2571 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th class=\"column-1\">Loan<\/th>\n<th class=\"column-2\">Loan amount<\/th>\n<th class=\"column-3\">Interest rate<\/th>\n<th class=\"column-4\">Repayment terms<\/th>\n<th class=\"column-5\">Minimum credit score<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111823 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"kiavi logo\" width=\"130\" height=\"30\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174653.429.png\"><\/td>\n<td class=\"column-2\">$100,000 &#8211; $3 million<\/td>\n<td class=\"column-3\">Starting at 7.75%<\/td>\n<td class=\"column-4\">12, 18, or 24 months<\/td>\n<td class=\"column-5\">680<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/kiavi-loans\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Kiavi<\/a><\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111822 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Lima one capital logo\" width=\"130\" height=\"34\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174655.807.png\"><\/td>\n<td class=\"column-2\">$75,000 &#8211; $3 million<\/td>\n<td class=\"column-3\">Starting at 8.45%<\/td>\n<td class=\"column-4\">3, 19, and 24 months<\/td>\n<td class=\"column-5\">600<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/lima-one-capital-fix-and-flip-loan\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Lima One Capital<\/a><\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111821 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"RCN capital\" width=\"130\" height=\"45\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/unnamed-2025-04-03T174657.996.png\"><\/td>\n<td class=\"column-2\">$50,000 &#8211; $3 million<\/td>\n<td class=\"column-3\">Starting at 9.64%<\/td>\n<td class=\"column-4\">12-18 months<\/td>\n<td class=\"column-5\">660<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/rcn-capital-loan\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit RCN Capital<\/a><\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111820 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Flip Funding logo\" width=\"130\" height=\"69\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/unnamed-2025-04-03T174700.643.png\"><\/td>\n<td class=\"column-2\">$150,000 &#8211; $3 million<\/td>\n<td class=\"column-3\">Starting at 9.99%<\/td>\n<td class=\"column-4\">12-24 months<\/td>\n<td class=\"column-5\">620<\/td>\n<\/tr>\n<tr class=\"row-9\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/flip-funding\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit Flip Funding<\/a><\/td>\n<\/tr>\n<tr class=\"row-10\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone  wp-image-111818\" src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/NewSilver-768x174-1.webp\" alt=\"NewSilver logo\" width=\"133\" height=\"30\" \/><\/td>\n<td class=\"column-2\">$100,000 &#8211; $5 million<\/td>\n<td class=\"column-3\">9.5-11.25%<\/td>\n<td class=\"column-4\">Up to 18 months<\/td>\n<td class=\"column-5\">650<\/td>\n<\/tr>\n<tr class=\"row-11\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/new-silver-fix-and-flip-loan\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit New Silver<\/a><\/td>\n<\/tr>\n<tr class=\"row-12\">\n<td class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111819 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"CoreVest logo\" width=\"130\" height=\"16\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174703.885.png\"><\/td>\n<td class=\"column-2\">$75,000 &#8211; $2 million<\/td>\n<td class=\"column-3\">Starting at 7.99%<\/td>\n<td class=\"column-4\">6-24 month terms<\/td>\n<td class=\"column-5\">620<\/td>\n<\/tr>\n<tr class=\"row-13\">\n<td colspan=\"5\" class=\"column-1\"><a href=\"https:\/\/link.technologyadvice.com\/r\/corevest-finance\" target=\"_blank\" rel=\"nofollow sponsored noopener\">Visit CoreVest<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2571 from cache --><\/p>\n<h2 class=\"wp-block-heading\" id=\"Kiavi\">Kiavi: Best for quick &amp; easy funding<\/h2>\n<table id=\"tablepress-2573\" class=\"tablepress tablepress-id-2573 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111823 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"kiavi logo\" width=\"130\" height=\"30\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174653.429.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\n<ul>\n<li>No application fee or appraisal<\/li>\n<li>No income verification<\/li>\n<li>Competitive interest rates<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Required credit score of 680<\/li>\n<li>Requires inspections to release funds throughout the flip<\/li>\n<li>No loans available in MS, NM, RI, UT, or VT<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong>Terms<\/strong><\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"2\" class=\"column-1\">\n<ul>\n<li><strong>Loan amount:<\/strong> $100,000 &#8211; $3 million<\/li>\n<li><strong>Repayment terms:<\/strong> 12, 18, or 24 months<\/li>\n<li><strong>Time to funds:<\/strong> As little as 7 days<\/li>\n<li><strong>Interest rate:<\/strong> Starting at 7.75%<\/li>\n<li>Covers up to 95% of purchase price and 100% of rehab cost<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2573 from cache --><\/p>\n<p>The Kiavi fix and flip loan is one of the most popular lending options because of its fast financing, competitive interest rates, and user-friendly application process. Unlike most types of fix and flip loans, it has no application fee, doesn\u2019t require an appraisal, and doesn\u2019t require income verification. This also allows it to close in as little as seven days.\u00a0<\/p>\n<p>However, Kiavi has the highest credit score requirement of 680, and uses a \u201cdraw\u201d process that requires an inspection to release funds periodically. As long as you understand how this works, it could be a great financing option, with one of the lowest starting interest rates and highest LTC ratios.<\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Kiavi<\/a>\n  <\/div>\n<h2 class=\"wp-block-heading\" id=\"Lima\">Lima One Capital: Most versatile fix and flip loan<\/h2>\n<table id=\"tablepress-2574\" class=\"tablepress tablepress-id-2574 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111822 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Lima one capital logo\" width=\"130\" height=\"34\" data-src=\"https:\/\/assets.theclose.com\/uploads\/2025\/03\/unnamed-2025-04-03T174655.807.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\n<ul>\n<li>Low credit score requirement of 600<\/li>\n<li>Flexible interest rates depending on your terms<\/li>\n<li>Ability to defer origination fees until the property sells<\/li>\n<li>Home Depot discounts up to 20%<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Doesn\u2019t offer loans in Alaska, North Dakota, South Dakota, or Vermont<\/li>\n<li>Only covers 100% of rehab costs with four-day draws<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong>Terms<\/strong><\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"2\" class=\"column-1\">\n<ul>\n<li><strong>Loan amount:<\/strong> $75,000 &#8211; $3 million<\/li>\n<li><strong>Repayment terms:<\/strong> 13, 19, and 24 months<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 8.45%<\/li>\n<li>Covers up to 92.5% of purchase price and 100% of rehab costs<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2574 from cache --><\/p>\n<p>Lima One Capital offers one of the best fix and flip loans for investors who want options and flexibility. Its \u201cFixNFlip\u201d loan program is highly competitive on its own, with lower interest rates than many other options, multiple repayment terms, and up to 92.5% LTC.\u00a0<\/p>\n<p>However, what really sets Lima One Capital apart is the flexibility and alternative loan options. It offers fix and flip financing for different types of flips (quick flip, middle of the fairway, and heavy rehab) and even allows you to switch financing programs if your goals change. For example, if you decide to rent your property instead of selling, you can switch to a \u201cFix2Rent\u201d program and even get a discount on your origination fees. Ultimately, Lima One Capital is the most versatile loan program for home flippers.<\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Lima One Capital<\/a>\n  <\/div>\n<h2 class=\"wp-block-heading\" id=\"RCN\">RCN Capital: Best for experienced investors<\/h2>\n<table id=\"tablepress-2575\" class=\"tablepress tablepress-id-2575 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111821 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"RCN capital\" width=\"130\" height=\"45\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/unnamed-2025-04-03T174657.996.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\n<ul>\n<li>Loans offered in every state<\/li>\n<li>No pre-payment penalty<\/li>\n<li>Offers financing for a wide variety of property types and amounts<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>New investors don\u2019t get the best rates<\/li>\n<li>Must have a minimum FICO credit score of 660<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong>Terms<\/strong><\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"2\" class=\"column-1\">\n<ul>\n<li><strong>Loan amount:<\/strong> $50,000 &#8211; $2 million for 1-4 family homes, condos, and townhomes, and $250,000 &#8211; $3 million for more than 5 units and mixed-use properties<\/li>\n<li><strong>Repayment terms:<\/strong> 12-24 months<\/li>\n<li><strong>Time to funds:<\/strong> As little as 10 business days<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 9.64%<\/li>\n<li>Covers up to 92.5% of purchase price and 100% of renovation cost<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2575 from cache --><\/p>\n<p>RCN Capital is a private lender that offers a variety of loan programs for real estate investors. It offers a simple application process, funding in just a few weeks, and competitive interest rates. Also, it is the only provider on this list that only charges interest on your outstanding balance and has no prepayment penalty, allowing you to minimize expenses even further.<\/p>\n<p>However, the rates for RCN Capital\u2019s hard money loans are different depending on your experience level:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>New investor<\/strong> (Up to two flips within the last three years): covers up to 80% of purchase price, up to 100% of renovation costs, up to 70% of ARV, and interest rates starting at 10.64%<\/li>\n<li><strong>Intermediate investor<\/strong> (Between three and five flips in the last three years): Covers up to 85% of purchase price, up to 100% of renovation costs, up to 75% of ARV, and interest rates starting at 10.14%<\/li>\n<li><strong>Experienced investor<\/strong> (Over ten flips in the last three years):\u00a0 Covers up to 92.5% of purchase price, up to 100% of renovation costs, up to 75% of ARV, and interest rates starting at 9.64%<\/li>\n<\/ul>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit RCN Capital<\/a>\n  <\/div>\n<h2 class=\"wp-block-heading\" id=\"Flip-Funding\">Flip Funding: Best for new investors &amp; home flippers<\/h2>\n<table id=\"tablepress-2576\" class=\"tablepress tablepress-id-2576 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111820 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"Flip Funding logo\" width=\"130\" height=\"69\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/unnamed-2025-04-03T174700.643.png\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\n<ul>\n<li>Provides loans for foreign nationals<\/li>\n<li>No experience required<\/li>\n<li>Variety of short-term loan options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>No loans available in SD, ND, MN, OR, UT, and VT<\/li>\n<li>Minimum loan amount of $150,000<\/li>\n<li>Not a direct lender<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong>Terms<\/strong><\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"2\" class=\"column-1\">ul&gt;<\/p>\n<li><strong>Loan amounts:<\/strong> $150,000 &#8211; $3 million<\/li>\n<li><strong>Repayment terms:<\/strong> 12-24 months<\/li>\n<li><strong>Time to funds:<\/strong> Close in 10-14 days<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 9.99%<\/li>\n<li>Covers up to 90% of purchase price and 100% of rehab cost<\/li>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2576 from cache --><\/p>\n<p>The fix and flip loan from Flip Funding has no experience requirements, which makes it ideal for investors who are just getting started. It also offers lending to foreign nationals and includes no-doc and low-doc loan options for flippers who may not have typical income documentation. However, Flip Funding is not a direct lender, which means that the specifics of your loan terms will depend on the provider you are matched with.\u00a0<\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit Flip Funding<\/a>\n  <\/div>\n<h2 class=\"wp-block-heading\" id=\"New-Silver\">New Silver: Best for quick funding through AI<\/h2>\n<table id=\"tablepress-2577\" class=\"tablepress tablepress-id-2577 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111818 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"NewSilver logo\" width=\"133\" height=\"30\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/NewSilver-768x174-1.webp\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\n<ul>\n<li>AI-powered underwriting<\/li>\n<li>No requirements for revenue or time in business<\/li>\n<li>Advantage program offers rewards for repeat customers<\/li>\n<li>Variety of real estate financing options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Doesn\u2019t offer funding in OR, NV, UT, ID, ND, SD, MN, AL, LA, or VT<\/li>\n<li>Minimum FICO score of 650<\/li>\n<li>Does not finance rural properties<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong>Terms<\/strong><\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"2\" class=\"column-1\">\n<ul>\n<li><strong>Loan amount:<\/strong> $100,000 &#8211; $5 million<\/li>\n<li><strong>Repayment terms:<\/strong> Up to 18 months<\/li>\n<li><strong>Time to funds:<\/strong> As little as five days<\/li>\n<li><strong>Interest rates:<\/strong> 9.5-11.25%<\/li>\n<li>Covers up to 92.5% of purchase price and 100% of rehab cost<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2577 from cache --><\/p>\n<p>Another excellent choice for your next house flip loan is New Silver, which offers loans between $100,000 and $5 million that can be closed in as little as five days. It uses technology and AI to streamline the underwriting process and speed up your funding. New Silver also offers calculators to help you determine the cost of a hard money loan and <a href=\"https:\/\/theclose.com\/how-much-does-it-cost-to-flip-a-house\/\">how much it costs to flip a house<\/a>.<\/p>\n<p>New Silver\u2019s loans are available to investors of all experience levels, but experienced investors can benefit from its Advantage Program. When you close three or more loans with New Silver, you\u2019ll receive discounts on your interest rates, origination fees, a free appraisal, and even more benefits.<\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit New Silver<\/a>\n  <\/div>\n<h2 class=\"wp-block-heading\" id=\"CoreVest\">CoreVest Finance: Best for high-volume investors<\/h2>\n<table id=\"tablepress-2578\" class=\"tablepress tablepress-id-2578 tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n<th colspan=\"2\" class=\"column-1\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-111818 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"NewSilver logo\" width=\"133\" height=\"30\" data-src=\"http:\/\/www.adamsauctionserv.com\/wp-content\/uploads\/2025\/04\/NewSilver-768x174-1.webp\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>Pros<\/strong><\/td>\n<td class=\"column-2\"><strong>Cons<\/strong><\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">\n<ul>\n<li>Provides loans for foreign nationals<\/li>\n<li>Loans offered in every state<\/li>\n<li>Non-recourse loan options<\/li>\n<\/ul>\n<\/td>\n<td class=\"column-2\">\n<ul>\n<li>Lowest LTC rate of 90%<\/li>\n<li>More strict experience requirements<\/li>\n<li>24-month repayment term only offered through extensions<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td colspan=\"2\" class=\"column-1\"><strong>Terms<\/strong><\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td colspan=\"2\" class=\"column-1\">\n<ul>\n<li><strong>Loan amounts:<\/strong> $75,000 &#8211; $2 million<\/li>\n<li><strong>Repayment terms:<\/strong> 6-24 month terms<\/li>\n<li><strong>Time to funds:<\/strong> Under 30 days<\/li>\n<li><strong>Interest rates:<\/strong> Starting at 7.99%<\/li>\n<li>Covers up to 90% of purchase price<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2578 from cache --><\/p>\n<p>CoreVest is a lender that specializes in large-scale residential real estate portfolios, including multifamily properties, rentals, and new construction. Its fix and flip loan offers the lowest starting interest rate on our list and competitive terms. However, high-volume investors will benefit the most from the customized loan solutions at CoreVest.<\/p>\n<div class=\"text-center\">\n    <a class=\"button  \">Visit CoreVest<\/a>\n  <\/div>\n<h2 class=\"wp-block-heading\" id=\"How\">How to choose the best fix and flip loans<\/h2>\n<p>It can be overwhelming and confusing to look through so many different types of fix and flip loans. In order to choose the right kind of loan for your project, you should consider a variety of factors about your business and your loan options.<\/p>\n<p>Here are some of the most important considerations:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Interest rates and fees<\/strong>: One loan may offer a lower interest rate, but charge more in origination fees and closing costs. Make sure you know all of the fees involved and compare them with your other options.<\/li>\n<li><strong>Loan terms and repayment<\/strong>: Fix and flip loans usually have a short repayment period, with all of our choices ranging between 6 and 24 months. Make sure the repayment period aligns with your project timeline and allows time for the house to sell.<\/li>\n<li><strong>Loan to value and loan to cost ratios<\/strong>: Fix and flip loans usually cover the purchase price and renovation costs separately, so make sure you know what your out-of-pocket costs will be.<\/li>\n<li><strong>Time to funding<\/strong>: When you <a href=\"https:\/\/theclose.com\/how-to-find-houses-to-flip\/\">find a house to flip<\/a>, you need to be able to close quickly to have a competitive offer.\u00a0<\/li>\n<li><strong>Loan requirements<\/strong>: Fix and flip loans typically have different requirements than mortgages. Many lenders have a minimum credit score and experience requirements.<\/li>\n<li><strong>Reputation and reviews<\/strong>: Hard money loans are generally higher risk, since the interest rates are higher and the repayment term is much smaller than typical mortgages. Make sure you choose a lender that has helped other investors successfully complete their projects.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"Types\">Types of fix and flip loans<\/h2>\n<p>Although our choices for the best fix and flip loans are all hard money loans, there are many different financing options to flip a house. In fact, since many lenders have strict requirements about investors\u2019 experience level and credit score, you may not be able to qualify for many fix and flip loans. But that doesn\u2019t mean that you can\u2019t find financing!<\/p>\n<p>Here are a few other types of financing options for fix and flip projects:<\/p>\n<table id=\"tablepress-2572\" class=\"tablepress tablepress-id-2572\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\">Hard money loans<\/td>\n<td class=\"column-2\">Hard money loans are the most common type of financing for fix and flip projects. These offer short repayment terms from 6-24 months and higher interest rates. However, financing can be closed in just days to weeks, and the credit score requirements are sometimes lower. Check our roundup of the <a href=\"https:\/\/theclose.com\/best-hard-money-lenders\/\">best hard money lenders<\/a> for options.<\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\">Private money loans<\/td>\n<td class=\"column-2\">A private money loan is between a flipper and someone who has personally agreed to offer them a loan. The rates and terms depend completely on the agreement between the two parties.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\">Home equity loan or line of credit (HELOC)<\/td>\n<td class=\"column-2\">This is a loan based on the equity you have in your primary home. The interest rates are closely tied to mortgage rates, which are typically lower than hard money loans. Plus, the repayment term can be up to 30 years.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\">Bridge loans<\/td>\n<td class=\"column-2\">A bridge loan is designed to cover the gap between buying and selling a new home, and can have terms as little as a few weeks to a few months. Lenders who offer fix and flip loans typically also offer bridge loans.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\">Fix and flip lines of credit<\/td>\n<td class=\"column-2\">Instead of a loan based on one project, a line of credit can typically be used for all expenses on multiple projects.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\">Construction loans<\/td>\n<td class=\"column-2\">Construction loans are typically given when a project is being built from the ground up. There are many different types of construction loans, but they typically cover the purchase price and building costs.<\/td>\n<\/tr>\n<tr class=\"row-7\">\n<td class=\"column-1\">Cash out refinance loans<\/td>\n<td class=\"column-2\">This loan is for current homeowners or investors who want to leverage the equity to pay for flips. Interest rates are typically lower than hard money loans, but it uses your existing properties as collateral.<\/td>\n<\/tr>\n<tr class=\"row-8\">\n<td class=\"column-1\"><\/td>\n<td class=\"column-2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><!-- #tablepress-2572 from cache --><\/p>\n<h2 class=\"wp-block-heading\" id=\"Methodology\">Methodology: How I evaluated the best fix and flip loans<\/h2>\n<p>Our <a href=\"https:\/\/theclose.com\/methodology\/\">methodology at The Close<\/a> is to provide readers with the most accurate information to help them make the right business decisions. Our team of professionals, researchers, writers, real estate agents, and experts have done detailed research to evaluate the best fix and flip loans for new to experienced house flippers. Our criteria include:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rates and Fees<\/strong>: We looked for fix and flip programs that offered competitive interest rates and fees. All of our selections offered rates between 7.75 \u2013 11.25% as of March 2025, just above the national average mortgage rates.<\/li>\n<li><strong>Loan Terms<\/strong>: We looked for loan options with a range of repayment terms.<\/li>\n<li><strong>Max Loan Amounts<\/strong>: The fix and flip financing options we chose offer financing for a variety of projects, from under $100,000 to $5 million.<\/li>\n<li><strong>Credit Score &amp; Eligibility Requirements<\/strong>: We evaluated programs that had reasonable requirements, including credit scores and experience levels.<\/li>\n<li><strong>Rehabilitation Financing<\/strong>: Almost all of our fix and flip loan choices cover up to 100% of renovation costs.<\/li>\n<li><strong>Loan-to-Cost (LTC) and Loan-to-After Repair Value (LTARV) Ratios<\/strong>: We selected loan programs that minimize up front and out-of-pocket costs for investors, with 90-95% LTC ratios.<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"FAQs\">Frequently asked questions (FAQs)<\/h2>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"what-kind-of-loan-is-best-for-flipping-houses\" class=\"my-40\">What kind of loan is best for flipping houses?<br \/>\n\t\t\t\t<\/h3>\n<p><img decoding=\"async\" alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"what-kind-of-loan-is-best-for-flipping-houses-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>The most common type of loan used for flipping houses is a hard money loan designed for fix and flips. These loans offer fast funding and short-term repayment options. However, the best choice will depend on your business, financing needs, and qualifications.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"how-to-qualify-for-a-fix-and-flip-loan\" class=\"my-40\">How to qualify for a fix and flip loan?<br \/>\n\t\t\t\t<\/h3>\n<p><img decoding=\"async\" alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"how-to-qualify-for-a-fix-and-flip-loan-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>Each fix and flip loan program has different requirements, like a minimum credit score or flipping experience. In order to maximize your chances of qualifying, work on increasing your credit score and saving enough cash reserves to cover loan payments, fees, and out-of-pocket renovation costs.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<div class=\"d-flex justify-content-between align-items-center cursor-pointer pe-24 close-accordion-heading collapsed\">\n<h3 id=\"is-a-fix-and-flip-loan-a-hard-money-loan\" class=\"my-40\">Is a fix and flip loan a hard money loan?<br \/>\n\t\t\t\t<\/h3>\n<p><img decoding=\"async\" alt=\"expand\/collapse\" class=\"ms-24 w-16 flex-shrink-0 rotate-180 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/theclose.com\/wp-content\/themes\/theclose\/assets\/images\/icons\/chevron-down.svg\"><\/div>\n<div id=\"is-a-fix-and-flip-loan-a-hard-money-loan-content\" class=\"close-accordion-content collapsed mb-40\">\n<p>Most fix and flip loans are hard money loans, but not all of them. Fix and flip loans can also be in the form of a line of credit, a bridge loan, or a private money loan.<\/p>\n<\/div>\n<hr class=\"my-0\" \/>\n<p>The post <a href=\"https:\/\/theclose.com\/best-fix-and-flip-loans\/\">6 Best Fix and Flip Loans in 2025<\/a> appeared first on <a href=\"https:\/\/theclose.com\">The Close<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you need to finance a house flip, you need a loan that offers a&#8230;<\/p>\n","protected":false},"author":1,"featured_media":366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[12],"tags":[],"_links":{"self":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts\/400"}],"collection":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/comments?post=400"}],"version-history":[{"count":2,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts\/400\/revisions"}],"predecessor-version":[{"id":405,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/posts\/400\/revisions\/405"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/media\/366"}],"wp:attachment":[{"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/media?parent=400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/categories?post=400"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.adamsauctionserv.com\/index.php\/wp-json\/wp\/v2\/tags?post=400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}