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Fix-and-Flip Loans

In need of short-term financing? We're proud to serve as a leading lender in fix-and-flips loans.

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restoring and repainting victorian home

Loan Overview

Secure cash quickly with a fix-and-flip loan.

A great deal comes about when you least expect it. Move quicker than your competition and get the long-term hard money loans you need to fix up property for a hearty return.

This is where Socotra Capital comes in. When it comes to fix-and-hold loans, cash and speed are crucial. As a loan type, fix-and-flip is used exclusively for residential real estate opportunities that you are looking to rehab and sell within a short period of time, typically 6-12 months from the date of purchase.  

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Loan Benefits

Become a part of our hard money program.

If you’re an investor or flipper interested in buying properties that require all cash or hard money to fix and flip, consider our fix-and-flip hard money program. Fix-and-flip private money loans provide up to 85 percent of the total project cost, which is the purchase price plus the cost of the rehab. These loans have no prepayment penalties, allowing you to sell the property as quickly as possible.

The ultimate goal is for the investor to sell or rent the property under the following three conditions:

  • Minimize out-of-pocket expenses as much as possible
  • Maximize the market value of the property
  • Retain the property for the shortest possible time

 

kitchen renovation project installing new countertops

Loan Solutions

Get the financial support you need without delay.

Our fix-and-flip loans are here to support you when traditional lending solutions no longer work. We can often provide you with same-day prequalification on our fix-and-flip loan so you have the cash fast to take advantage of opportunities when they arise. If you ever run into a flip project you'd like to keep in your long-term portfolio, let us know! We can work with you once the property is rented and cash is flowing. Talk to our team about our term loan program!

Fix-and-flip loan scenarios we commonly assist with include but are not limited to:

  • Short sale purchase and rehab
  • REO or bank-owned purchase and rehab
  • Refinancing a short-term loan intended as a flip
  • Unable to qualify for conventional financing
  • Full amortized loans
  • Probate loans and multi-property loans

Loan Parameters

Is a fix-and-flip loan the right choice for you?

Our fix-and-flip loans offer maximum flexibility based on the total project cost.

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Project Types

Explore property types with our solutions-oriented team.

  • Fix-and-flips
  • Distressed properties
  • Non-arms-length transactions
  • Probate sales
  • And more!
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Loan Amounts

Fix-and-flip loans range from $100K–$20M.

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Loan Term

Loans range from 6 months to 20 years:
  • Interest-only loans
  • Partially amortized loans
  • Fully amortized loans
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Loans Available

  • Individuals
  • Trusts
  • Corporations
  • Limited partnerships
  • IRAs

Ready to explore your loan options?

Speak with our team today to learn more about the hard money lending opportunities that are right for you.

Please fill out the form below to get in touch with our team.