Loan Process
01
Apply online and submit your deal
04
Approval and term sheet
02
We review your experience, credit, and liquidity
05
Close in as little as 7–14 days
07
Exit through refinance or resale
03
Underwriting and structuring within 1–2 days
06
Rehab funding via fast draws
Testimonials
Michael R.,
Charlotte, NC
Michael R.,
Charlotte, NC
"Fast, reliable, and professional—exactly what every real estate investor needs!"
Jasmine T.,
Raleigh, NC
Jasmine T.,
Raleigh, NC
"FlipFuel Lending helped me close in 7 days when other lenders dragged their feet. Total game changer!"
Anthony L.,
Greenville, SC
Anthony L.,
Greenville, SC
"They funded 100% of my purchase and rehab. The process was smooth and the terms were clear. Highly recommend."
Brian W.,
Columbia, SC
Brian W.,
Columbia, SC
"Wendell and the FlipFuel team are true pros. They understand investors and structure deals with growth in mind."
Kayla M.,
Atlanta, GA
Kayla M.,
Atlanta, GA
"I’ve worked with several lenders—FlipFuel is by far the most efficient and investor-friendly."
Derek P.,
Wilmington, NC
Derek P.,
Wilmington, NC
"As a first-time flipper, they guided me every step of the way. Got funded with no headaches!"
Sonia G.,
Charleston, SC
Sonia G.,
Charleston, SC
"I appreciated the transparency and communication throughout. No hidden fees, just straight talk and fast money."
Eric D.,
Charlotte, NC
Eric D.,
Charlotte, NC
"Got a great rate, super responsive team, and a true partner for my flips. Will be back for my next deal."
Frequently Asked Questions
1. What kinds of loans does FlipFuel offer?
- Fix & Flip loans: short-term purchase-plus-renovation financing (12–18 months).
- Construction loans: funds for new builds or major rehabs.
- Bridge loans: transition capital for quick-close or light rehab acquisitions.
- DSCR Rental loans: income-free verification, cash flow–based loans on
rental properties with up to 30-year terms. - Rental Portfolio loans: blanket financing for 5–20+ properties with
consolidated payments.
2. What are the basic product terms and rates?
- Fix & Flip: starting around 8.99%, up to 90% LTC or 100% rehab, 12–18-month terms.
- Rental/DSCR: rates start in the mid-5% range with fully amortizing or ARM options up to 30 years.
- Portfolio loans: structured to scale across multiple properties.
- Construction and Bridge: intermediary solutions with terms and pricing tailored to project scope.
3. Do I need experience to qualify?
No. FlipFuel evaluates each project on its own merits. You do not need prior fix-and-flip experience—you may still qualify if the projected ARV and rehab plan are solid.
4. Is income documentation required?
For DSCR-based rental loans: no income or W-2 documentation required. Underwriting is based on projected rental cash flow. Fix & Flip and Bridge require property-based metrics (ARV/LTC), not personal income.
5. What credit score is required?
Typically, a FICO score of ~660 or higher is standard. In some cases, lower scores may still qualify—terms depend on project details and borrower history.
6. What types of properties are eligible?
Eligible property types include:
- Single-family rentals, 2–4 unit buildings
- Warrantable condos, townhomes, small multifamily units
Properties must be non-owner-occupied residential; commercial uses are not eligible.
7. What is the minimum and maximum loan amount?
- Fix & Flip loan amounts generally range from $50K to $3MM.
- DSCR and Portfolio products typically start at $75K, with maximums up to $2.5MM or more depending on portfolio value.
8. Are there prepayment penalties?
There are no prepayment penalties on our Fix & Flip, Bridge and Construction Loans. For rental property loans, depending on the terms, their may be prepayment penalties, but these terms can be flexible in that aspect.