Real estate investors know that speed wins deals. When a distressed property hits the market at the right price, you can’t wait weeks for a bank committee to approve your loan. Fix & Flip financing is built for exactly this environment — fast decisions, flexible terms, and funding structured around the realities of renovation projects.
At OSO Creek Financial, we connect investors with experienced hard money and bridge lenders who specialize in fix-and-flip financing. We understand that your profit margin depends on getting in, getting funded, and getting out efficiently.
A Fix & Flip loan is a short-term financing solution — typically 6 to 18 months — used to purchase and renovate a property with the intent of selling it for a profit. Unlike a traditional mortgage, these loans are evaluated primarily on the value of the project itself: the purchase price, the estimated renovation costs, and the projected After-Repair Value (ARV) of the finished property.
Funding is often structured in two parts: the acquisition loan covers the purchase, while renovation funds are disbursed in draws as work is completed and verified.
Renovation dollars are typically held in reserve and released in draws as work is completed. Before each draw, an inspector or lender representative verifies that the completed work meets the scope and quality requirements. This protects both the investor and the lender — and keeps projects moving on budget.
Common draw milestones include foundation and structural, rough mechanical (plumbing, electrical, HVAC), drywall and insulation, finish work, and final inspection.
Our lenders evaluate fix-and-flip loans based on:
Use our free Fix & Flip Calculator at OSO Creek Financial to analyze your deal before you apply. Run the purchase price, renovation estimates, ARV, holding costs, and selling costs to see if your projected return makes sense. Knowing your numbers before approaching a lender always makes the conversation easier — and shows you’re a serious investor.
Most lenders offer more favorable terms to experienced investors — higher LTVs, lower rates, faster approvals. If you’re new to flipping, don’t be discouraged. Some programs are specifically designed for first-time investors, and a well-underwritten deal with a strong ARV and a conservative renovation budget can still get funded. Mark will help you structure the request to put your best foot forward.
