Fix & Flip
Purchase and renovation financing for 1–4 unit residential investment properties.
- Up to 100% purchase + 100% rehab
- Loan capped at 75% of ARV
- Interest-only payments
- 6 – 24 month terms
Fast hard money and private money loans for investors in St. Louis County, St. Charles, Florissant and Chesterfield and across St. Louis. We lend directly on fix & flip, construction, DSCR, bridge and multifamily deals.
St. Louis offers low entry prices and older brick housing that suits rehab and buy-and-hold strategies. Investors use hard money for single-family and multifamily renovations, then DSCR loans to hold.
Financing for up to 100% of the purchase price and 100% of the renovation budget, with the total loan capped at 75% of the after-repair value (ARV). Enter your deal, credit score and experience to see your maximum loan for a St. Louis flip, your Win-Win direct quote and whether our lending partners can fund it at 100%.
Fully financed. 100% of the purchase and rehab fits under the 75% ARV cap.
Estimate before closing costs, fees and reserves. Final loan amount depends on appraisal, credit, experience and underwriting.
We shop 100% purchase + 100% rehab deals with our lending partners.
We fund these programs ourselves, so you deal with the decision-maker from term sheet to closing.
Purchase and renovation financing for 1–4 unit residential investment properties.
Land and vertical construction for spec and custom 1–4 unit builds.
Long-term rental loans qualified on the property's rent, not your tax returns.
One loan for multiple 1–4 unit rentals, including scattered-site portfolios.
Short-term capital to acquire, renovate and stabilize apartment properties.
Financing to convert office, hotel and retail buildings into multifamily housing.
Also available through our 2,000+ lender network: SBA 504 & 7(a), Fannie Mae & Freddie Mac agency, CMBS, conventional bank loans, commercial bridge for office, retail, industrial, hospitality and self-storage, land acquisition & development, new community lot loans, and unsecured business lines of credit.
Send the address, price, budget and ARV through our intake form.
Many deals receive approval within 24–72 hours of a complete submission.
Upload entity docs, ID, contract, title and insurance while we order the appraisal.
Close, start work, and request rehab draws as the project progresses.
Yes. For 1–4 unit residential investment properties in St. Louis, we lend up to 100% of the purchase price and 100% of the rehab budget, with the total loan capped at 75% of the after-repair value (ARV). Final terms depend on the appraisal, the property and your experience.
Yes. Win-Win Capital Funding lends directly on 1–4 unit fix-and-flip, ground-up construction, DSCR rental and portfolio loans, and on multifamily value-add, bridge and conversion loans such as office-to-multifamily. For SBA, agency, CMBS and other programs, we place your loan with the best fit from our network of 2,000+ lenders.
Many deals receive approval within 24–72 hours of a complete submission. Closing timing depends on title, appraisal and insurance. Send us your deal and we'll give you a realistic timeline.
Common St. Louis requests include fix-and-flip, construction, DSCR rental and bridge loans. We also finance luxury single-family homes, 1–4 unit rentals, multifamily, build-to-rent, mixed-use and conversion projects, land acquisition and development, and new community lots, and can place commercial loans on data centers, office, retail, industrial, hospitality, self-storage and assisted living.
Start with the property address, purchase price, rehab or construction budget, estimated ARV and your recent project experience. Once terms are issued, we collect entity documents, ID, the purchase contract, title and escrow details and proof of insurance.
Send us the numbers. We'll review it and come back with terms, usually within 24–72 hours.
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