Flips move fast — your financing has to move faster. A fix & flip loan funds the purchase and the rehab based on the deal's After-Repair Value, not your W-2. Interest-only, short-term, and built to close in days so you can win the property and get to work. Beto connects you to the lenders who fund deals, not paperwork.
Plenty of would-be investors assume they need a fat W-2 and perfect credit to fund a flip. Fix & flip lending works differently — it's about the deal.
So investors lose deals to cash buyers, or never start, believing a traditional mortgage is the only way to finance a project.
Lenders underwrite the deal — the purchase price, the rehab budget, and the After-Repair Value — far more than your personal income. They fund most of the purchase and all of the rehab, and close in days, not weeks.
Short-term, interest-only money designed to get in, renovate, and get out — then pay the loan off when you sell.
The lender covers up to ~90% of the purchase (LTC); you bring the rest as a down payment.
100% of the renovation is set aside and released in draws as the work gets done.
You make small interest-only payments during the project — typically a 6–18 month term.
List it, sell it, repay the loan in full from the proceeds, and keep the profit.
Plug in a deal and see your loan, your cash in, and your estimated profit update instantly. Change any number to test the scenario.
Estimates only, for planning. Interest is calculated interest-only on the full loan for the project length (real draw schedules vary). Actual loan amounts, rates, points, and ARV limits are set by the lender and the specific deal. This is not an offer or a guarantee of profit.
Master these and the calculator above tells you everything. They're the language every fix & flip lender speaks.
What the home will be worth once renovated, based on comparable sales. It's the foundation of the whole deal — the lender lends against it, and your profit comes out of it.
The share of your total cost the lender funds — often up to ~90% of the purchase plus 100% of rehab. The rest is your down payment.
Lenders also cap the loan at a percentage of ARV (often 70–75%). Your loan is the lower of the LTC and ARV-limit numbers — built-in protection for both of you.
Buy at or below that number and you've built in room for financing, holding, selling costs, and profit. The calculator flags whether your purchase price passes — it's the fastest gut-check on whether a deal is worth pursuing.
These are short-term, deal-driven loans, so terms differ from a 30-year mortgage. Here's the typical shape — experience and a strong deal improve all of them.
Planning to keep the property as a rental instead of selling? That's a BRRRR — flip the renovation, then refinance into a long-term DSCR loan and pull your cash back out. Beto sets up both ends.
Whether it's your first project or your fiftieth, if you can spot a deal, this is the capital that lets you act on it.
Found a deal that pencils out but don't have all the cash? A fix & flip loan gets you in. Beto will sanity-check your numbers before you commit.
Doing volume? Faster closings, higher leverage, and better terms with a track record — so your capital stretches across more projects at once.
Buy, Rehab, Rent, Refinance, Repeat. Use a flip loan to renovate, then refinance into a DSCR rental and recycle your cash.
You already know value and renovation. Put that edge to work on your own projects instead of just everyone else's.
Alberto Moravia — Beto the Broker — is a licensed mortgage broker, TREC Certified Instructor, and proud San Antonio resident who speaks fluent investor: ARV, LTC, draws, and exit strategy. He'll run your deal with you before you ever make an offer.
As an independent broker at Edge Home Finance LLC, Alberto shops across 100+ wholesale and private/portfolio lenders — the ones who fund flips fast — and lines up your exit, whether that's a sale or a refinance into a DSCR rental. Straight numbers, in English, Spanish, or Portuguese.
A free 10-minute call with Beto. Bring the address and your numbers — purchase, rehab, ARV — and he'll confirm the loan, the leverage, and the exit, then move fast so you don't lose the property. Investors who close win.