Asset Lift Lending

    Close in days, not months. Get the capital you need to acquire and renovate investment properties with speed and certainty.

    Fix & Flip Loans

    AssetLift Lending offers fix-and-flip loans with fast closings, competitive rates, and up to 90% LTV. Finance your next renovation project with a lender built for real estate investors.

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    Up to 90%
    Loan-to-Purchase Price
    Up to 100% of rehab costs
    Renovation Financing
    6 to 18 months
    Loan Term
    As fast as 5 business days
    Closing Speed
    9.5%
    Interest Rates Starting At

    Overview

    Fix-and-flip loans are short-term, asset-based financing instruments designed specifically for real estate investors who purchase distressed properties, renovate them, and sell them at a profit. Unlike conventional mortgages that evaluate your employment history and tax returns, fix-and-flip loans are underwritten primarily on the property's current value and its projected after-repair value (ARV). This means experienced flippers and first-time investors alike can access capital based on the strength of the deal rather than their personal financial profile.

    AssetLift Lending's fix-and-flip program provides acquisition financing up to 90% of the purchase price and 100% of the renovation budget, with total loan amounts capped at 70% to 75% of the after-repair value. Loan terms range from 6 to 18 months, giving borrowers ample time to complete renovations and list the property for sale without the pressure of an artificially short deadline. Renovation funds are held in escrow and disbursed through a structured draw process as work is completed, ensuring that capital is deployed efficiently and that the project stays on track.

    Our underwriting team evaluates every deal based on comparable sales data, the scope of the renovation plan, and the borrower's experience level. We fund single-family homes, duplexes, triplexes, four-unit properties, townhomes, and condos in markets across the country. Whether you are flipping your first house or your fiftieth, our streamlined process is designed to move at the speed your deals demand.

    The fix-and-flip market remains one of the most profitable segments of real estate investing for those who execute disciplined renovation plans and buy at the right price. With property values continuing to reward well-positioned renovations and buyer demand staying strong in most metro areas, access to fast, reliable capital is the single biggest competitive advantage a flipper can have. AssetLift Lending exists to provide exactly that advantage.

    Key Features

    High-Leverage Acquisition Financing

    Borrow up to 90% of the purchase price on your next flip, reducing the out-of-pocket capital required to get into a deal. Combined with 100% rehab financing, you can control a property with as little as 10% of the purchase price in cash, freeing up liquidity for additional projects or reserves.

    Full Renovation Budget Coverage

    We finance up to 100% of the renovation budget through a structured draw process. Submit your scope of work at origination, and funds are released in stages as each phase of construction is completed and inspected. This eliminates the need to fund renovations out of pocket and keeps your capital working across multiple deals.

    Dedicated Draw Management

    Our in-house draw management team processes inspection requests within 48 hours. Once a draw is approved, funds are wired directly to your account or issued via check within 1 to 2 business days. We coordinate with your general contractor to ensure draw requests align with completed work and stay within the approved budget.

    No Prepayment Penalties

    Sell the property whenever you are ready without worrying about early payoff fees. Our fix-and-flip loans carry no prepayment penalties, so you keep every dollar of profit from a fast sale. If you finish ahead of schedule and close with a buyer in month 4 of a 12-month loan, you pay interest only for the time you used the capital.

    Experienced Borrower Rate Discounts

    Investors with a verified track record of completed flips qualify for reduced origination fees and lower interest rates. We reward experience because experienced borrowers reduce our risk. Bring documentation of your last 3 to 5 completed projects at application and our pricing team will build a customized rate sheet for your deal.

    Flexible Exit Strategies

    While most borrowers plan to sell the renovated property, our fix-and-flip loans also support refinance exits. If market conditions change or you decide to hold the property as a rental, you can refinance into a DSCR loan or conventional mortgage without penalty. This flexibility protects you from being forced into a sale at an unfavorable time.

    Eligibility Requirements

    Minimum Credit Score: A FICO score of 620 or higher is required. Borrowers with scores above 700 qualify for the most competitive rate tiers. Scores between 620 and 660 are eligible with compensating factors such as higher down payments or demonstrated flipping experience.
    Down Payment: A minimum of 10% of the purchase price is required at closing, funded from your own capital or a documented capital partner. Gift funds and unsecured borrowed funds are not eligible for the down payment. Larger down payments (15% to 20%) unlock better interest rates and origination pricing.
    Property Types: Eligible properties include single-family residences, duplexes, triplexes, four-unit buildings, townhomes, and warrantable condos. The property must be non-owner-occupied and intended for renovation and resale or refinance. Raw land and ground-up construction are not eligible under this program.
    Renovation Scope of Work: A detailed scope of work with line-item costs must be submitted at application. The renovation plan should be prepared by or reviewed with a licensed general contractor. We accept renovations ranging from cosmetic updates to full gut rehabilitations, provided the total project stays within our maximum ARV guidelines.
    Real Estate Experience: First-time flippers are welcome, though borrowers with no prior flipping experience may face slightly higher rates or lower maximum leverage. Having a licensed general contractor on your team or documented construction management experience strengthens your application. Repeat borrowers with 3 or more completed flips receive preferential pricing.

    How It Works

    1

    Apply and Submit Your Deal

    Complete our online application in under 15 minutes. Upload the purchase contract, your renovation scope of work with cost estimates, comparable sales supporting your ARV estimate, and a brief summary of your investment experience. Our team reviews every submission within 24 hours and issues a preliminary term sheet if the deal meets our guidelines.

    2

    Underwriting and Appraisal

    Once you accept the term sheet, we order a third-party appraisal or broker price opinion to confirm the property's as-is value and after-repair value. Our underwriting team reviews the title report, property insurance, and your borrower profile in parallel. Most files clear underwriting within 3 to 5 business days of receiving all required documents.

    3

    Closing and Funding

    We coordinate with the title company or closing attorney to prepare loan documents, schedule signing, and wire funds. Acquisition proceeds are funded directly to the closing agent at the time of purchase. Renovation funds are deposited into a controlled escrow account managed by AssetLift Lending and disbursed as work is completed.

    4

    Renovation Draws and Project Completion

    As you complete each phase of renovation, submit a draw request through our online portal. We dispatch an inspector to verify completed work within 48 hours and release the corresponding funds within 1 to 2 business days after approval. When the renovation is complete, you list the property for sale or initiate a refinance to pay off the loan.

    Who Is This For?

    Residential Property Flips

    The classic fix-and-flip: purchase a dated or distressed single-family home, complete a cosmetic or moderate renovation, and sell to a retail buyer at a profit. Our financing covers the acquisition and the full rehab budget, allowing you to enter deals with minimal out-of-pocket capital and maximum speed.

    Auction and Foreclosure Purchases

    Auction purchases require proof of funds and rapid closing. AssetLift Lending provides proof-of-funds letters for active borrowers and can close within 5 to 7 business days, making it possible to compete at courthouse auctions, HUD sales, and bank-owned property liquidations where traditional financing is not an option.

    Small Multifamily Value-Add

    Purchase a 2-4 unit property with below-market rents, renovate the units to justify higher rental rates, and either sell at the improved valuation or refinance into a long-term DSCR loan. Our fix-and-flip program finances the acquisition and renovation, and our DSCR program handles the take-out refinance.

    Wholesale Double-Close Financing

    Wholesalers who need transactional funding to close on a property before immediately reselling to an end buyer can use our short-term bridge product. Funds are available for same-day or next-day closings, and the loan is repaid from the proceeds of the B-to-C sale, often within hours of the original purchase.

    Frequently Asked Questions

    Ready to Get Started?

    Submit your deal in minutes. Get a soft-quote within 24 hours.

    Apply for Fix & Flip Loans - Fast Funding for House Flipping Projects