Fix & Flip Loans

Fast Capital + Rehab Funding

Fund both purchase and renovation in one streamlined loan—close in 10–14 days with interest-only payments, up to 85% of After-Repair Value, and rehab draw schedules timed to your milestones so you can flip quickly and maximize profits.

Fix & Flip Loans

Fast Capital + Rehab Funding

Fund both purchase and renovation in one streamlined loan—close in 10–14 days with interest-only payments, up to 85% of After-Repair Value, and rehab draw schedules timed to your milestones so you can flip quickly and maximize profits.

fix & flip LOANS

A Fix & Flip loan is short‑term, interest‑only financing that covers both the purchase price and the renovation budget for a property you intend to rehab and sell (or refinance) within 6–12 months. Alpha Lending underwrites primarily on the property’s after‑repair value (ARV), allowing investors to leverage minimal cash while moving quickly.

Why a Fix & Flip Loan?

  1. Acquisition + Rehab in One Package

    1. Up to 90 % of purchase price and as much as 100 % of verified rehab costs—so you keep more cash on hand

  2. Speed to close

    1. Typical funding in 7–10 days, helping you lock up distressed or auction properties before competitors.

  3. Interest‑Only Payments

    1. Lower monthly outflow while the property is under construction; repay principal when you sell or refinance.

  4. ARV‑Driven Underwriting

    1. We lend based on the property’s after‑repair value, not your W‑2 income. Solid deal analysis can outweigh limited personal credit history.

  5. Short, Flexible Terms

    1. Six‑ to twelve‑month terms (extensions available) give you time to renovate, stage, and sell—without a long‑term debt burden.

Commercial Loan

“Stable Funding for Multi-Family and Office Properties.”

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Fix & Flip Loan Calculator

Use this calculator to estimate your monthly interest‑only payments, total interest cost during the rehab period, and projected profit based on your after‑repair value (ARV).


Note: Results are illustrative; actual terms depend on your project scope, experience level, market, and Alpha Lending underwriting guidelines.

Fix & Flip Loan Calculator

Estimate your loan size, interest-only cost, total project outlay and net profit—so you can evaluate flips at a glance.

Email Results

how to interpret results

  1. Estimated Loan Amount

    1. Calculated from purchase price + rehab budget multiplied by your chosen loan‑to‑cost (LTC) percentage.
      Example: Purchase $200 k, rehab $50 k, LTC 85 % → Loan ≈ $212,500.

  2. Monthly Interest‑Only Payment

    1. Your carrying cost each month while renovations are underway, assuming the annual interest rate you input.

  3. Total Interest Over Term

    1. The sum of monthly interest‑only payments for the full projected term (e.g., 9 months).

  4. Projected Net Profit

    1. ARV minus (purchase + rehab + total interest + selling costs). This shows your potential upside before taxes.


Disclaimer: These figures are approximate. Actual numbers vary with final underwriting, local construction costs, and any rate adjustments. For a precise quote, contact an Alpha Lending representative.

3 Steps to Get Funded

Apply

Fill out our quick online form to detail your project and timeline.

Get Approved

Our team reviews your submission, verifying property and strategy.

Close & Fund

Sign documents, receive funds, and leverage our ongoing support.

Have a Deal in Mind?

Let’s Chat.

  • 208-854-1122

  • 3379 N Lakeharbor Ln, Boise, ID

    83703, United States

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Home Loan Programs About Us Tools & Calculators Borrower Resources Loan Application Contact

Home Loan Programs About Us

Tools & Calculators Borrower Resources Loan Application Contact

Alpha Lending LLC’s rates and loan terms are subject to change without notice and may vary based on factors such as creditworthiness, loan amount, and applicable regulations. Loan availability is not guaranteed and depends on qualification requirements, with certain products and services not available in all states or jurisdictions. Alpha Lending LLC adheres to all relevant federal, state, and local laws, including the Truth in Lending Act (TILA) and the Equal Credit Opportunity Act (ECOA), ensuring compliance with lending and consumer protection standards. All loan offers are contingent on approval and subject to change.

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