# Fix and Flip Loans

> Fix and flip loans from $500,000 to $10,000,000 for residential real estate investors. Short-term financing based on LTC and after-repair value (ARV).

Canonical: https://riversidepark.capital/fix-and-flip-loans
Markdown: https://riversidepark.capital/fix-and-flip-loans.md

## Quick answer

Riverside Park Capital provides fix and flip loans from $500,000 to $10,000,000 for experienced residential real estate investors. Underwritten on loan-to-cost and after-repair value (ARV).

## Fix-and-flip financing is built around the complete project

A fix-and-flip request combines acquisition cost, renovation scope, total project cost, after-repair value, draw timing, and the planned sale or refinance exit. The property and the sponsor's execution history are reviewed together.

**Where it fits:** This structure is intended for non-owner-occupied residential investment projects where the borrower can document a realistic budget, timeline, and exit—not for a primary-residence renovation.

**Example:** A $400,000 purchase with a $100,000 renovation has a $500,000 total project cost. LTC and ARV limits are then tested against the requested financing and supported as-is/after-repair values.

**Fit check:** Prepare the purchase contract, scope of work, detailed budget, comparable sales or appraisal support, liquidity, and prior project history.

The LTC, ARV, and draw-schedule guides explain the main sizing inputs.

## Loan parameters

- Loan size: $500,000 – $10,000,000
- Loan type: Fix and Flip

## Eligible assets

- Single-family residential investment properties
- 2–4 unit investment properties
- Residential fix-and-flip projects

## Underwriting guidelines

- Loan size: $500,000 – $10,000,000
- Max LTC: up to 85–90% of total project cost
- Max ARV: up to 70–75%
- Min FICO: generally 650+
- Renovation budget and draw schedule reviewed
- Experience preferred

## FAQs

**Q: What is a fix and flip loan?**

A fix and flip loan is a short-term real estate loan used to purchase and renovate an investment property for resale. It is underwritten on LTC and ARV rather than rental income.

**Q: How is a fix and flip loan underwritten?**

Fix and flip loans are underwritten on loan-to-cost (LTC), after-repair value (ARV), the renovation scope, and the borrower's experience.

**Q: What is the maximum ARV for a fix and flip loan?**

We generally lend up to 70–75% of the after-repair value (ARV) on fix and flip projects.

**Q: Do you fund renovation draws?**

Yes. Renovation funds are disbursed via a draw schedule based on completed work inspected and verified.

## Related

- [What Is a Fix and Flip Loan?](https://riversidepark.capital/what-is-a-fix-and-flip-loan)
- [Fix and Flip Loan Requirements](https://riversidepark.capital/fix-and-flip-loan-requirements)
- [Fix and Flip Loan ARV](https://riversidepark.capital/fix-and-flip-loan-arv)
- [Fix and Flip Loan LTC](https://riversidepark.capital/fix-and-flip-loan-ltc)
- [Fix and Flip Loans $500K–$10M](https://riversidepark.capital/fix-and-flip-loans-500k-to-10m)
- [ARV Explained](https://riversidepark.capital/arv-explained-real-estate)

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Source: Riverside Park Capital — https://riversidepark.capital/fix-and-flip-loans