Fix and Flip Loans For Different Project Needs

Short Term Funding Requirements at Competitive Rates


Short term loans for purchasing your next nonresidential real estate investment in order to complete the rehab and flip it for profit.


Attractive coverage of renovation and repairs costs incurred when fixing and flipping a property. 


For real estate investors who already own a property and plan to use the loan funds to either renovate an existing residence or build new construction.

Fix and Flip Loan Offering Terms

With expertise in hard money lending and specialization in fix and flip loans, 14th Street Capital meets your funding requirements quickly, dependably and with flexibility.

Property Types

Single-family, condominiums, town homes and multifamily properties.

Loan Amount

Greater than and equal to $100,000.

Term of Loan

3 – 24 months.

Interest Rates

Starting at 7.49%

Experience Required

We have options for borrowers with no experience and for borrowers that are professionals.

Maximum loan to value (LTV)


Maximum loan to cost (LTC)


Down Payment

Minimum 15% of the purchase price.

Time to Close

5 – 10 days.

Why Choose 14th Street Capital?

Here’s why real estate professionals choose 14th Street Capital for their Fix and Flip Loan requirements.

Experienced real estate investors

At 14th Street Capital, we are not just hard money lenders but also actual real estate investors with on-ground experience. Our clients experience a unique partnership with access to our resources paving the way for rewarding opportunities in the real estate space.

Competitive interest rates

Best in market competitive interest rates for fix and flip loans. Interest rates start at x% with as low as x points. Points payment happens when the house sells rather than at closing. No hidden feed.

Relationship-based lending

Flexible lending terms as you fund more property loans. Repeat borrowers receive preferred pricing. Custom terms for each client for rewarding partnerships.

Advantages of Choosing a Fix and Flip Loan

01. Lack of Bureaucratic Red Tape

Unlike traditional mortgage financing, the fix and flip hard money loans from private lenders are not limited by rigid guidelines. Parameters such as debt-to-income ratios or credit scores do not form a basis of loan rejection. If the purchase and repair cost vs the resale value of the property makes sense and the investor is reliable, the loan will go through.

03. Flexible Loan Options

Flexible underwriting criteria allows fix and flip investors to secure funding not available to them through other institutions.

02. Faster Processing Times

Any delay in securing funding could mean missing out on an incredible investment opportunity. Fix and flip loans have much shorter loan processing timelines where approval takes place in the matter of days rather than weeks or months.

Frequently Asked Questions

How is the loan amount for fix and flip loans calculated?

Hard money fix and flip loans are short term, and designed specifically for fix and flip investors. The loan amount typically is about 80-90 percent of the loan-to-cost or 75 percent of the loan to ARV (After Repair Value).

Hard money loans for flipping houses will finance about 80 to 90 percent of the total deal cost, the investor will have to bring the remaining 10 to 20 percent to finance the deal.

What properties would be eligible for a fix and flip loan?

All non-owner occupied properties including single family homes and 2-4 unit properties are eligible for availing a fix and flip loan.

Can I take a loan for construction and repairs?

14th Street Capital specializes in fix and flip loans that includes both purchase as well as repair costs under one loan. Whether you need a loan to purchase the property, undertake renovations and repairs or start construction on an existing property, we cater to all your requirements.

What are the loan interest rates for fix and flip loans?

Interest rates for fix and flip loans can range anywhere from 9% to 13% with origination points between 1% and 3.5%. We offer competitive rates based on the experience of the flipper and past history of relationship with us. If you have completed successful flips in the past and have a proven track record, you would be eligible for lower interest rates and lesser origination points.

What documentation would be required for availing a fix and flip loan?

Fix and flip loans from 14th Street Capital requires minimal documentation and has zero hassle. Here is what you will need. All you need is the construction budget plan and sales contract for the property and you are good to go. If you have experience flipping properties or currently hold other properties, then documents pertaining to those investments and REO schedule will entitle you to better lending rates. For companies, the operating agreement will be needed.

Which states can I take the fix and flip loan in?

14th Street Capital is a hard money lender that provides fix and flip loans across a number of US states. Get in touch with us to know if a loan is available in the state that you are investing in.