Lending Guide

ARV Explained: After-Repair Value in Real Estate

ARV (After-Repair Value) is the estimated market value of a property after all planned renovations or construction are completed. It is used in fix and flip and construction lending to determine maximum loan amounts.

Up to $15,000,000
Educational

Loan amounts up to $15M.

Key loan facts

Loan amount
Up to $15,000,000
Eligible properties
Fix and flip investment properties, Construction projects

Eligible Asset Types

  • Fix and flip investment properties
  • Construction projects

Underwriting Guidelines

  • ARV determined by independent appraisal
  • Max loan typically 70–75% of ARV

Who This Is For

  • Fix and flip investors
  • Construction borrowers

Who This Is Not For

  • N/A

Frequently Asked Questions

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Loan Parameters

MinimumNone
Core maximum$5,000,000
Not eligible: owner-occupied residential. Loans up to $15M.

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Commercial real estate and investor property loans: core up to $15,000,000, loan amounts up to $15M.

Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.