Illustrative brick investment house undergoing a professional renovation

Fix & Flip Loans

Finance your purchase and renovation in one loan

Short-term rehab financing designed for investors who buy, renovate, and sell. We fund both acquisition and rehab with a draw schedule built around your project.

Check Loan Options Talk Through My Deal

Loan Terms

Loan Amount: Sized to purchase + rehab budget
LTC: Structured around your deal
Term: 6 – 18 months
Rate: Priced to deal & experience
Closing: Investor-focused timeline
Property Types: SFR, 2-4 Unit

Rates and terms subject to underwriting approval.

Program Highlights

Built for how investors actually operate.

Rehab draws processed on an expedited schedule
First-time flippers considered
Underwriting centers on the deal, not personal income documentation
In-house scope of work review
Extension options may be available depending on the program
Asset-based underwriting

Ready to get started?

Share your deal in a few minutes. No application fee, no obligation.

Check Loan Options

Talk Through My Deal

Related tools & guides

Read the full SEO guide →Investor guides in our Investor Resource Center →

Keep exploring

Investor Guides

Review the underwriting concepts and planning questions behind this program.

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.

Frequently Asked Questions

How fast can I close a Fix & Flip loan?+

Timelines vary by documentation, appraisal, and title work. Investor-focused underwriting is built to move quickly once a file is complete — your advisor can walk through what to expect for your specific deal.

What credit score is required?+

We work with a wide range of credit profiles. Underwriting varies by program and may consider property cash flow, collateral, deal structure, and borrower experience.

Where do you lend?+

Pillar Private Lending works with investors in multiple states. Browse our location pages or contact us to confirm availability.

Is there an application fee?+

Pillar does not charge an application fee to request a scenario review or term sheet. Third-party costs such as appraisal, title, and closing fees may still apply depending on the transaction.

Explore financing for your investment strategy

Compare property fit, qualification factors, and what to prepare

Fix & flip loans

Program options by market

Illustrative residential renovation with brickwork and a new porch

Next Step

Ready to think through your next deal?

Share a few basics about the property and we'll help you understand which financing paths may fit your strategy.

Check Loan Options Talk Through My Deal

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