Fix & Flip Loans
Acquire · Renovate · Resell
Short-term financing to buy and renovate investment properties, with up to 90% of cost financed and no prepayment penalty.
- Max loan to cost
- 90%
- Max loan to cost
Lending programs
Financing for every stage of the investment.
AE Capital Partners offers six business-purpose loan programs for real estate investors financing 1–10 unit properties — from short-term renovation capital to 30-year rental financing.
01 02 Buy & Hold Loans
Long-term DSCR rental financing
30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options.
- Max loan to value
- 80%
- Max loan to value
03 Short-Term Rental Loans
Airbnb · VRBO · Vacation rentals
Financing for vacation and short-term rental properties listed on Airbnb, VRBO, or similar platforms.
- Max loan to value
- 75%
- Max loan to value
04 Bridge Loans
Multi-year interim capital
Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties.
- Max loan to value
- 75%
- Max loan to value
05 Construction Loans
Ground-up · Townhomes · ADUs
Ground-up construction financing for single-family homes, townhomes, and ADUs — managed in-house, with draws that fund in as little as one business day.
- Max loan to cost
- 80%
- Max loan to cost
06 Bank Statement Loans
Qualify on cash flow, not tax returns
A 30-year loan that qualifies you through bank statement analysis — built for self-employed investors and business owners.
- Max loan to value
- 80%
- Max loan to value
Side by side
Compare programs at a glance.
| Program | Max leverage | Cash-out | Term | Prepayment penalty | Property types |
|---|---|---|---|---|---|
| Fix & Flip Loans | 90% loan to cost75% loan to after-repair value | — | 12-month value-add loan | None | Single-family, 2–4 unit, 5–8 unit |
| Buy & Hold Loans | 80% loan to value | 75% LTV | 30-year (fixed or interest-only adjustable) | Low or no penalty options | Single-family rentals, Small multifamily, Rental portfolios |
| Short-Term Rental Loans | 75% loan to value | 70% LTV | Ask our team | Low or no penalty | Single-family, Multifamily, Listed on Airbnb, VRBO, or similar |
| Bridge Loans | 75% loan to value | 65% LTV | 24-month bridge loan | None | Single-family, Multifamily |
| Construction Loans | 80% loan to cost65% of value after completion | — | 12-month construction loan | None | Single-family, Townhomes, ADUs |
| Bank Statement Loans | 80% loan to value | 75% LTV | 30-year term | Low or no penalty options | Investment properties |
All loans are subject to underwriting review and approval. Program terms, ratios, and eligibility requirements are subject to change without notice. This is not a commitment to lend.
Ready when you are
Not sure which program fits? Start with the deal.
Submit your project through the portal and our team will align you with the right product — or call us to talk it through.
Prefer to talk? Call 310-810-1374