Keep your cash in the bank. On the right deal, our network of 100% lending partners can finance the full purchase price and the full renovation budget, with the total loan capped at about 75% of the after-repair value.
100% financing works when you buy well below market: purchase price plus rehab should be at or under about 75% of the after-repair value.
| Maximum loan (75% of ARV) | |
| Purchase + rehab | |
| Total cost as % of ARV |
Up to the full purchase price, on qualifying deals bought well below market.
The full renovation budget, held back and paid in draws as work is completed.
The total loan (purchase + rehab) is capped at about 75% of the after-repair value.
Seasoned flippers get the highest leverage; first-time investors usually qualify at slightly lower leverage.
680+ works best; options exist for lower scores at adjusted leverage and pricing.
Cash, 401(k) and IRA balances count in full; stocks count at 50% of market value.
3.5 points, $1,495 underwriting & processing, $995 loan docs, appraisal, title and insurance; the purchase and rehab can be financed. Closing in 2–3 weeks.
Single-family, duplex, triplex or fourplex; non-owner-occupied investment property only.
Borrow in an LLC or corporation.
Not quite 100%? Our 95/100 fix & flip program funds up to 95% of purchase and 100% of rehab with instant online pricing.
We review your deal and send it to the 100% lending partners that fund your state, experience level and property type, then bring you the best terms.
Tap your state for local 100% financing details. Lender availability varies by state; we match your deal to the partners that lend there.
On the purchase and rehab, it can be. You still pay closing costs, points, title and insurance, and lenders want to see reserves. The deal must fit under the 75% of ARV cap.
Purchase price plus rehab budget should be at or under about 75% of the after-repair value. Use the deal check on this page.
Experienced flippers get the highest leverage. First-time investors can qualify, often at 85–95% of purchase and 100% of rehab.
680+ works best. Lower scores may qualify at adjusted leverage and pricing.
The renovation budget is held back and released in draws as work is completed and inspected. Interest is usually charged only on disbursed funds.
We work with several 100% lending partners covering most states. Submit your deal and we'll match it with the partners that lend in your state.
Our 95/100 program funds up to 95% of purchase and 100% of rehab with instant online pricing.
100% fix and flip financing is arranged through Win-Win Capital Funding's network of 100% lending partners; Win-Win may be compensated. Leverage, rates and availability vary by lender, state, experience, credit and property. Not a commitment to lend; all loans are subject to underwriting, appraisal and approval. Business-purpose investment property loans only.
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