A fix and flip loan is a short-term loan designed for real estate investors who purchase properties at a discount, renovate them, and then sell or refinance. These loans provide quick access to capital for both acquisition and rehab costs.

Unlike traditional mortgages, fix and flip loans focus on the after-repair value (ARV) of the property rather than the borrower’s credit score or income. This makes them ideal for investors who need flexible funding without the long underwriting timelines of banks. Whether you're buying at auction, acquiring a foreclosure, or targeting a cosmetic rehab, these loans allow you to act fast in competitive markets.