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Rehab Loans for Acquisition & Renovation
Structure purchase and rehab financing around your renovation scope, draw schedule, ARV, and exit. Compare investor loan options with Pillar.
Business-purpose investment financing. Options are subject to lender and property review.
One project, two funding needs
Acquisition capital closes the purchase; renovation capital pays for the work that creates value. A rehab loan review should distinguish those needs and show when cash is required. Pillar helps evaluate available structures against your scope, contractor plan, and intended sale or rental exit.
Understand what rehab financing actually covers
Some structures may fund eligible renovation costs through draws, but funding the rehab budget is different from funding the entire purchase and project. Confirm the approved scope, borrower contribution, draw inspections, reimbursements, and contingency reserves. Ask which costs are eligible and what you must contribute; full rehab funding, where available, does not mean a zero-cash project.
Build the exit into the budget
For a resale, include holding costs, sales costs, and a realistic after-repair value. For a rental hold, test the completed property's rent and likely permanent financing. Large structural work, permitting, or an incomplete project can change which lender and structure fit.
Published completed-deal example
Issaquah Value-Add Renovation
Purchase financing for a single-family value-add renovation, moving the property toward a significantly higher post-renovation value.
Funded amount: $1,032,450
Read the completed dealThis past transaction is not an offer or a guarantee of eligibility or similar terms.
Questions before you apply
Is acquisition plus rehab financing a no-money-down loan?
No. Even when eligible rehab costs are financed, you may need funds for acquisition equity, closing costs, reserves, and draw timing. Confirm the complete cash requirement.
Can I use a rehab loan for my own home?
These programs are described for business-purpose investment projects. Owner-occupied renovations require a different financing review.
Explore financing for your investment strategy
Compare property fit, qualification factors, and what to prepare
Capital options shaped around your deal
Pillar combines technology with advisor-led structuring, reviewing multiple lender and capital options against your property, timeline, and exit plan.
Review my financing optionsNo obligation. Rates and terms require underwriting approval. Read disclosures.