FIX & FLIP FINANCING - Close in as Few as 7 Days
Close Your Next Flip in as Few as 7 Days
Hard money acquisition + rehab draws + DSCR exit. One team for the full cycle. Stop juggling three lenders on a single deal.
FIX & FLIP FINANCING - Close in as Few as 7 Days
Hard money acquisition + rehab draws + DSCR exit. One team for the full cycle. Stop juggling three lenders on a single deal.
The Problem
Traditional lending was built for W-2 borrowers buying primary residences. If you're flipping properties, you already know the pain.
By the time your loan gets approved, the seller has moved on to a cash buyer. In the flip game, the lender who can't keep up costs you the deal. Every single time.
Your contractor stops working when draws don't fund. Projects stall, holding costs pile up, and your profit margin shrinks with every week of delay.
One lender for acquisition, another for rehab, and a third for the exit refinance. Three applications, three sets of fees, three headaches. There's a better way.
The Solution
We handle the full fix & flip lifecycle - from hard money acquisition to rehab draws to DSCR exit refinance.
Send us the property address, purchase price, rehab budget, and ARV. We quote you same day.
Close fast on acquisition. Draw funds as rehab milestones are completed.
Sell for profit or roll into a DSCR rental loan. We handle both exits. Read about combining fix-and-flip with DSCR.
Recent Deal
Fort Worth SFR. Investor found a below-market deal and needed to close in under two weeks. Traditional hard money lender quoted 3 weeks minimum. We funded acquisition in 8 days and managed rehab draws through completion.
The Mechanics
Fix and flip leverage at Pinnacle Funding Network runs up to 90% of the purchase price plus 100% of the rehab budget, with the total loan capped at roughly 70 to 75% of the after-repair value. Clean files close in as few as 7 days. Loans run $55,000 to $5 million through a bench of roughly 10 institutional capital partners, and the initial scenario quote requires no credit pull at all.
See the full structure in the fix and flip guide, or read how to close a fix and flip loan faster.
At Pinnacle Funding Network, a fix-and-flip loan is short-term financing (typically 12 to 24 months) designed for investors purchasing and renovating properties for resale. The loan covers both the acquisition and the renovation budget.
At Pinnacle Funding Network, fix-and-flip loans typically cover up to 90% of the total project cost (loan-to-cost or LTC) and up to 70% of the after-repair value (ARV). This means you may need as little as 10% of the total project cost as a down payment.
Experience requirements vary by lender. Some programs are available to first-time flippers, while others require 1 to 3 completed projects. Having a detailed scope of work and budget helps your application regardless of experience level.
At Pinnacle Funding Network, fix-and-flip loans can close in as few as 7 days through our lender network, making them ideal for competitive acquisition situations.
If your property has not sold by the time your loan matures, you have options. You can extend the loan (often at a higher rate), refinance into a bridge loan at lower rates with no prepayment penalty, or convert the property to a rental and refinance into a long-term DSCR loan.
Yes. At Pinnacle Funding Network, many investors use a fix-and-flip loan for the Buy and Rehab phases, then refinance into a DSCR loan for the Rent, Refinance, and Repeat phases. This is one of the most capital-efficient strategies in real estate investing.
Guides, tools, and strategies to maximize your flip profits.
Financing, budgeting, and exit strategies for flippers.
Line-by-line rehab budget breakdown to protect your margins.
Buy, rehab, rent, refinance, repeat. Scale with recycled capital.
The three ratios every flipper needs to understand.
When to use short-term hard money and when to switch to DSCR.
Exit strategies when your loan term is running out.
More: DSCR + Fix & Flip · Flip Won't Sell? · Cash-Out Refi · DSCR Calculator · All Articles
Pinnacle Funding Network is a Dallas, Texas based investment property lender founded in 2024 by James Loffredo. PFN arranges DSCR, fix and flip, bridge, STR and Airbnb, self-employed, foreign national, and new construction loans from $55,000 to $5 million through a network of third-party lenders, for real estate investors in 48 states. Learn more about us or get a quote.