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Embark on your next investment venture with confidence through by Atlantic Mortgage & Finance. Our Fix & Flip loans are tailored for investors looking to transform properties into profitable opportunities. With competitive rates and flexible terms, we provide the financial foundation you need to purchase, renovate, and sell with efficiency. Our dedicated team is here to guide you from acquisition to sale, ensuring your project’s success. Discover the potential in every property—start your fix and flip journey with us today and turn your real estate visions into reality.

What is an Fix & Flip Loan?

Interested in real estate investment and house flipping for profit? Atlantic Mortgage & Finance Corp offers the ideal fix and flip loan to support your venture. Our short-term financing solutions are designed for real estate investors to buy and refurbish residential properties, ensuring you have the funds needed for the entire house flipping process. Leveraging our deep expertise in mortgage financing and a diverse selection of loan programs, we deliver customized financing options that cater to your unique requirements. Rely on us as your go-to source for home loans in Florida. Reach out to us now to embark on your fix and flip project!

How Do Fix & Flips Work?

Fix and flip loans are available in various formats, such as term loans or lines of credit, depending on the agreement between you and your lender. These loans are secured by the property you intend to renovate, and typically, there’s no penalty for early repayment.

To determine the amount you’re eligible to borrow, lenders will evaluate crucial figures: the loan-to-value (LTV) ratio, the loan-to-cost (LTC) ratio, and the after-repair value (ARV).

  • LTV (Loan-to-Value) Ratio: This ratio assesses the loan amount in relation to the property’s current market value. For most fix and flip loans, up to 90% of the property’s purchase price may be covered. For example, on a $100,000 property, a lender might provide $90,000, leaving you to supply the remaining $10,000.

  • LTC (Loan-to-Cost) Ratio: This calculates the loan amount as a percentage of the overall project cost, including both the purchase and renovation of the property. With an 80% LTC on a project costing $120,000, the loan would amount to $96,000, requiring you to pay the additional $24,000. Some lenders may offer LTC ratios up to 90%.

  • ARV (After-Repair Value): This estimates the property’s value post-renovation. If a lender offers 70% of the ARV, and the property is projected to be worth $200,000 after upgrades, you could receive a loan up to $140,000.

Essentially, the borrowing capacity with a fix and flip loan hinges on the purchase price of the property, the total cost of your renovation project, and the anticipated value after improvements. Lenders utilize these metrics to determine the loan amount they will offer.

What is the Benefit of Getting a Fix & Flip Loan?

Securing a Fix & Flip loan comes with numerous advantages, particularly for those in the business of purchasing, renovating, and selling homes for a gain. The primary benefits include:

  • Rapid Financing: These loans are quickly disbursed, allowing you to seize attractive deals promptly.
  • Capacity for More Projects: With minimal personal capital required upfront, you have the leverage to embark on larger or multiple renovations simultaneously.
  • Adaptable Terms: Loan conditions can be tailored to the unique requirements of your venture, aiding in more effective cost management.
  • No Penalties for Early Repayment: Quick property sales enable you to repay the loan without incurring additional fees, thereby optimizing your earnings.
  • Improved Cash Flow: Financing both the acquisition and refurbishment of properties frees up your cash for other operational needs or unforeseen expenses.
  • Access to More Properties: Loans expand your purchasing power, allowing you to acquire properties that may have previously been out of reach, thus broadening your investment prospects.
  • Value-Driven Financing: Certain loans are allocated based on the future value of the property post-renovation, offering more substantial funding for your projects.
  • Professional Guidance: Lenders with expertise in Fix & Flip loans can provide valuable insights and assistance, enhancing the likelihood of your project’s success.

Overall, Fix & Flip loans afford you the financial versatility and backing essential for prospering in the house flipping market.

How to Qualify For a Fix & Flip Loan

Accessing fix and flip loans may present challenges, particularly for newcomers to the real estate flipping scene. However, as you gain more experience, securing loans with competitive terms becomes more straightforward.

To find the appropriate fix and flip loan for your venture, follow these three steps:

Identify Your Financial Needs Start by thoroughly understanding your project. Compile details about the property, outline the work needed, and establish a realistic timeline. This planning helps in accurately determining the project’s costs. Knowing the total expense will guide you in figuring out the amount of financing required.

Assess Your Eligibility With a clear idea of your financing needs, next assess your qualifications such as how long you’ve been in business, your annual income, and your personal credit rating. This assessment will help identify the types of fix and flip loans you’re likely to qualify for.

Find a Lender The ideal lender for your fix and flip financing depends on several aspects, including the specifics of your financing needs, project details, and your own qualifications. It’s important to explore and evaluate various small-business lenders to discover who offers the most favorable rates and conditions.


For beginners in fix and flip, your personal financial history and credit score will play a crucial role in obtaining financing. In contrast, seasoned professionals can leverage their portfolio of flipped houses and business financials to secure better loan terms.

Contact us to learn more or get started today!

Why Choose Us?

With our extensive 20 plus years of experience in mortgage financing, we excel in delivering financing options tailored to suit our customers’ needs. Discover why people love working with us by exploring our outstanding reviews.

By collaborating with a wide range of investors and lenders, we proudly offer a diverse range of loan programs. Our utmost aim is to provide borrowers with the most optimal financing solutions available.