Fix & Flip Financing
Fix & Flip financing is short-term, asset-based lending designed for real estate investors purchasing a property, funding eligible renovations, and preparing it for resale. Financing may cover property acquisition and eligible renovation expenses, depending on lender guidelines and the transaction structure — so the loan is built around the property's value and your investment strategy rather than a personal income file.
Fix & Flip Financing
Fix & Flip financing is short-term, asset-based lending designed for real estate investors purchasing a property, funding eligible renovations, and preparing it for resale. Financing may cover property acquisition and eligible renovation expenses, depending on lender guidelines and the transaction structure — so the loan is built around the property's value and your investment strategy rather than a personal income file.
Real Estate Investors Purchasing, Renovating & Reselling
Send Oakley your scenario for a personal review against 300+ wholesale lenders — no application submitted until you say go.
Program at a Glance
- Down Payment
- Varies by lender & deal (asset-based)
- Credit Score
- Varies by lender (asset-based)
- Occupancy
- Investment (non-owner occupied)
- Term
- Short-term (resale / refinance exit)
- Property Type
- 1–4 unit residential investment
What Makes Fix & Flip Financing Work
Property acquisition financing for the subject investment property
Potential renovation funding for eligible repair and improvement costs
Short-term investment financing structured around the project timeline
Options for different levels of investor experience (subject to lender guidelines)
Financing structured around the property's value and investment strategy
How It Works with Oakley
A straightforward path from your first conversation to closing day.
Share Your Scenario
Send Oakley your goals, property, and financial picture for a personal review — no credit pull and no application submitted until you say go.
Shop 300+ Wholesale Lenders
Oakley compares relevant programs across our wholesale lending network and narrows to the options worth your time for this specific deal.
Lock, Underwrite & Close
Choose your program, lock terms, and close with coordinated in-house processing from scenario to closing table.
General Qualification Standards
Requirements vary by lender and program. These are the common factors reviewed — Oakley confirms the specifics for your scenario.
How Fix & Flip Financing Compares
See how this program lines up against similar financing options in our network.
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| Fix & Flip Financing | Varies by lender & deal (asset-based) | Varies by lender (asset-based) | Investment (non-owner occupied) | Short-term (resale / refinance exit) |
| Bridge Loans | Equity-based | Varies (often 640+) | Current home / new purchase | Short-term (≈ 6–12 mo) |
| DSCR (Debt Service Coverage Ratio) | Often 15%–20%+ (varies) | Often 620–660+ | Investment | 30 yr fixed / interest-only options |
| Construction & Renovation Loans | Varies by program (often 5%+) | Often 620+ (varies) | Primary, 2nd home, investment | Construction → permanent |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Frequently Asked Questions
Ready to Explore Fix & Flip Financing?
Send your scenario for a personal review across 300+ wholesale lenders, or jump straight into the formal application when you're ready.
Ready to Explore Fix & Flip Financing?
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