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PILLARPRIVATE LENDING
Active residential renovation — fix and flip investment financing

Fix & Flip Financing

Finance Your Fix & Flip Project With One Partner

Acquisition and renovation capital for professional investors — with clear scenario reviews, deal-level structuring, and direct access to experienced advisors.

Check Loan OptionsTalk Through My Deal

No obligation. Representative scenarios only — talk with an experienced investment advisor.

(844) 733-2629
  • Investor-focused lending
  • Purchase + rehab capital
  • Residential investment properties
  • Advisor-led scenario review

Before-condition properties — acquisition and rehab capital structured around the project

How Pillar Finances a Flip

Acquisition + Renovation, Structured Around Your Project

Practical financing organized around how investors actually run rehab projects.

Purchase Financing

Capital to acquire the property — structured alongside your rehab budget in one review.

Renovation Draws

Rehab funds released through a draw schedule as work is completed and verified.

  • What We Review

    Project cost, ARV support, your experience, insurance, title, and a clear exit plan.

  • After the Project

    Resale exit or refinance into long-term rental financing — your advisor maps the path.

Scenario Builder

Analyze Your Fix & Flip Deal

Run the purchase, renovation budget, and projected value — then review the scenario with an experienced advisor.

Estimate your financing scenario before speaking with an advisor. This takes less than a minute.

Check Loan Options

No obligation. Representative scenarios only — talk with an experienced investment advisor.

Completed Deals

Real Investors. Real Closings.

Browse relevant funded transactions for this financing path — proof from deals that actually closed.

Property imagery is representative and may not depict the actual financed property.

Browse Completed DealsCheck Loan Options

Past transactions are provided for informational purposes only. Financing structures, terms, and closing timelines vary by borrower, property, market, and underwriting review. Past performance does not guarantee future results.

Investor Voices

Verified feedback from this program.

Borrower reviews associated with this loan path.

“We were getting ready to take on another flip and needed a lender that could move quickly and actually understood how these projects work. A mortgage friend recommended Pillar, and they made the entire process easier than we expected. They helped us structure the loan, kept everything moving, and every renovation draw was funded quickly so our contractors never had to wait. We'd absolutely use Pillar again on our next project.”

Borrower

Chris & Megan

Location

Raleigh, NC

Loan Program

Fix & Flip

Representative Scenarios

Illustrative Fix & Flip Project Summaries

Representative fix and flip scenarios — terms vary by asset, experience, and market.

Featured scenario · Fix & Flip

Seattle SFR Value-Add

Seattle, WA

Property Type
Single-family
Project Strategy
Full rehab
Purchase
$475k
Rehab
$150k
Projected ARV
$825k
Exit Strategy
Resale

  • Illustrative · Fix & Flip

    Phoenix Duplex Renovation

    Phoenix, AZ

    Property Type
    Duplex
    Project Strategy
    Cosmetic + systems
    Purchase
    $320k
    Rehab
    $85k
    Projected ARV
    $510k
    Exit Strategy
    Resale

  • Illustrative · Fix & Flip

    Denver Light Value-Add

    Denver, CO

    Property Type
    Single-family
    Project Strategy
    Kitchen + bath
    Purchase
    $390k
    Rehab
    $65k
    Projected ARV
    $545k
    Exit Strategy
    Resale
Fix and flip renovation project reviewed with an investment lending advisor

Technology + Guidance

Technology helps us understand the deal faster. Advisors help you structure it.

Share your project online or by phone — then work with an experienced investment lender who understands rehab timelines, draw schedules, and exit strategy.

  • Direct access to fix & flip lending specialists
  • Scenario reviews tailored to your project and experience
  • Creative structuring when a deal needs flexibility
  • A relationship that continues across repeat projects
Check Loan Options(844) 733-2629
Talk Through My Deal

No obligation. Representative scenarios only — talk with an experienced investment advisor.

How It Works

From Project Review to Closing

A clear path built around how investors run rehab projects.

  1. 01

    Analyze the Deal

    Share purchase price, rehab scope, ARV, and timeline — online or with an advisor.

  2. 02

    Discuss the Project

    Review your scenario with an investment lender who understands the asset.

  3. 03

    Structure the Financing

    Receive options for acquisition, rehab draws, and leverage matched to your deal.

  4. 04

    Diligence & Closing

    Move forward with advisor support through documentation, draws, and funding.

The right partner understands the rehab, the timeline, and the exit — not just the loan amount.
Pillar investor lending

Keep exploring

Investor Guides

Go deeper on the underwriting concepts behind this financing path.

Guide

Fix & Flip Loans: A Complete Investor Guide

Learn how acquisition and renovation financing works, how lenders evaluate ARV and rehab scope, how draws operate, and how investors document an exit plan.

Guide

LTC vs LTV in Real Estate Investing

Learn how loan-to-cost and loan-to-value differ, when investors and lenders use each, and how Pillar’s fix-and-flip and construction tools calculate them.

Guide

How Much Cash Do You Need for a Fix and Flip?

Estimate cash required for a fix-and-flip beyond the down payment—including closing costs, rehab overrun buffers, carrying costs, and reserves through sale or refinance.

Guide

How to Calculate After-Repair Value (ARV)

Estimate after-repair value with a repeatable comparable-sales workflow, an illustrative adjustment table, and a clear method for reconciling a practical ARV range.

Evaluating a specific market? Explore investor financing by location.

Fix & flip financing FAQ

What is a fix and flip loan?+

A fix and flip loan is short-term, asset-based financing that funds the purchase and renovation of an investment property the borrower plans to resell or refinance. Leverage is typically sized to project cost and after-repair value, with rehab proceeds released on a draw schedule as work is verified.

Can first-time flippers get financing?+

Some programs work with first-time flippers when the deal structure is strong. Experience often influences leverage and terms — share your project and an advisor can review fit.

Does Pillar finance both purchase and rehab?+

Yes. Many fix & flip structures combine acquisition and renovation capital in one facility, with rehab funds released through a draw schedule as work is completed.

How are renovation draws handled?+

Draws are typically released as completed work is verified against your scope of budget. Your advisor explains the process for your specific program and project.

What property types qualify?+

Pillar focuses on residential investment properties — single-family homes, duplexes, triplexes, and fourplexes. Owner-occupied properties are outside our scope.

What happens after I submit my scenario?+

An advisor reviews your project details, experience, and exit plan. If the deal fits program guidelines, you receive a scenario review with next steps — not a generic application queue.

What exit strategies are supported?+

Common exits include resale after renovation or refinancing into long-term rental financing. Structure depends on your timeline, ARV support, and overall deal profile.

Completed luxury home after fix and flip renovation

Next Step

Ready when your next flip is.

Share the project. We’ll map acquisition, rehab draws, and exit options with an advisor who understands how flips actually run.

Check Loan OptionsTalk Through My Deal
Apply

No obligation. Representative scenarios only — talk with an experienced investment advisor.