Fix & Flip Loans by SmartKey Lending: Powering Property Investment Success
At SmartKey Lending, we specialize in providing fast, flexible financing for real estate investors looking to buy, renovate, and resell properties for a profit. Our Fix & Flip Loan solutions are designed for entrepreneurs and investors who move fast, build smart, and demand reliability.
Whether you’re a seasoned property flipper or taking on your first renovation project, our Fix & Flip Loans empower you with the capital and support needed to turn undervalued properties into lucrative investments.
What Is a Fix & Flip Loan?
A Fix & Flip Loan is a short-term real estate investment loan used to finance both the purchase and renovation of a residential property. Once the renovation is complete, the property is typically sold for a profit, and the loan is repaid—often within 6 to 18 months.
At SmartKey Lending, we offer tailored Fix & Flip Loan options that are fast, asset-based, and built around your project timeline.
How Does a Fix & Flip Loan Work?
Here’s how the process works with us:
You find a property that needs renovation and has resale potential.
Apply online or through a loan officer at SmartKey Lending.
We evaluate your project based on:
Purchase price
Renovation budget
After-Repair Value (ARV)
Your experience and timeline
Upon approval, we fund up to 90% of the purchase and renovation costs.
You complete the project and sell or refinance.
Repay the loan and repeat your success.
Fix & Flip Loan Criteria & Terms
| Criteria | SmartKey Lending Fix & Flip Loan |
|---|---|
| Loan Term | 6 – 18 months |
| Interest Rates | 9% – 14% (varies by experience, project, & location) |
| LTV (Loan-to-Value) | Up to 90% of Purchase Price |
| LTC (Loan-to-Cost) | Up to 85% of Project Cost (Purchase + Renovation) |
| ARV (After Repair Value) | Up to 70 – 75% of Estimated ARV |
| Loan Size | $75,000 to $2,000,000+ |
| Property Type | Single-family, multi-family (up to 4 units), condos |
| Credit Score Requirement | Minimum 620 (flexible for experienced investors) |
| Exit Strategy | Resale or long-term refinance |
Who Should Use a Fix & Flip Loan?
Fix & Flip Loans are ideal for:
Real estate investors looking to flip houses
Contractors and builders wanting to renovate and resell
First-time flippers with a strong plan and strategy
Property wholesalers and cash buyers needing leverage
Realtors expanding into property investments
Advantages of SmartKey Lending Fix & Flip Loans
✅ Fast Approvals & Funding
Receive pre-approval in as little as 24 hours, and funding within 5–7 days.
✅ Project-Based Lending
Approval is based on the property and renovation potential—not just your credit.
✅ Flexible Draw Schedule
Access renovation funds in phases as work progresses. Smooth cash flow. No delays.
✅ No Prepayment Penalty
Sell early and pay off the loan without any additional fees.
✅ Dedicated Loan Specialists
We assign a personal loan advisor to help manage every step of your project financing.
✅ Local & National Market Expertise
Whether flipping in major metros or emerging suburban areas, we provide data-backed guidance for smarter investment decisions.
Common Fix & Flip Costs You Can Cover
Property acquisition
Demolition & rehab
Permits & inspections
Contractor payments
Utilities, taxes & insurance
Staging & marketing
Holding costs
Tips for a Successful Fix & Flip Project
Create a clear budget and stick to it
Work with experienced contractors
Know your neighborhood comps and buyer preferences
Plan for unexpected delays or costs
Have an exit strategy (resale or refinance)
💬 Why SmartKey Lending?
At SmartKey Lending, we’re not just a lender—we’re your investment partner. Our deep industry knowledge, commitment to speed, and investor-first mindset make us the go-to choice for fix and flip professionals across the U.S.
“When capital moves fast, opportunities don’t wait. SmartKey Lending ensures you’re ready.”
