Acquire · Renovate · Resell
Fix & flip loans built for speed and leverage.
Finance up to 90% of your project cost with no prepayment penalty — and close in as little as five business days.
- Max loan to cost
- 90%
- Max loan to after-repair value
- 75%
- Close in as little as 5 business days
- 5 days
Acquire
RenovateWhat is a fix and flip loan?
Short-term capital to buy, renovate, and resell.
A fix and flip loan is short-term financing used to purchase a property that needs work, fund the renovation, and repay the loan when the improved property sells.
AE Capital Partners offers 12-month value-add loans for single-family and multifamily properties — up to 90% of loan to cost and 75% of after-repair value, depending on your experience. Short-term loans use a soft credit pull, and there is never a prepayment penalty for selling early.
Who it's for
Built for investors who…
- 1Investors buying properties that need renovation before resale
- 2Repeat flippers who want a lender that can keep pace with their pipeline
- 3Value-add buyers who plan to exit through a sale within the loan term
Purchase + rehab
Finance the acquisition and the renovation together, so capital is available as the project moves from purchase to finished product.
Value-add repositioning
Upgrade dated single-family or small multifamily properties and sell at the improved value.
Fast-moving acquisitions
When a seller needs certainty, a lender with in-house underwriting helps your offer stay competitive.
Found the property? Submit the deal in minutes — we respond within 24 hours.
Eligibility requirements
Fix & flip financing criteria.
- Credit score
660+
660 minimum FICO and no serious delinquencies in the past 2 years.
- Max loan ratios
90% / 75%
Up to 90% loan to cost and 75% loan to after-repair value.
- Loan amount
$100K – $1.5M
Per property; minimum $50,000 per unit on 2+ units.
- Property type
1–8 units
Single-family, 2–4 unit, or 5–8 unit. Manufactured and mixed-use properties are not eligible.
- Minimum liquidity
$25K+
$25K minimum down payment, plus closing costs and 3 months of payments.
- Prepayment
None
No prepayment penalties on fix & flip loans.
- Purpose
Buy + renovate
Short-term mortgages to buy and renovate properties.
- Guarantor
One signer
One guarantor and signer with at least 25% ownership of the borrowing entity.
Quick deal check
0/4
Might your fix & flip deal fit?
Not every box checked? Other programs have different requirements — talk with our team about the right fit.
Call 310-810-1374This self-check is for general guidance only and is not a credit decision, pre-approval, or commitment to lend. Nothing you select here is stored or submitted.
Up to 90% loan to cost and up to 75% of after-repair value, depending on experience. AE Capital Partners does not offer 100% loan-to-cost financing.
AE Capital Partners offers 12-month value-add loans for purchase-and-renovation projects.
AE Capital Partners utilizes soft pulls for short-term mortgages. Hard pulls are only done for rental loans, after you have accepted an offer and the loan is in underwriting.
Rehab loans typically close in 10 business days for a new client and 5–7 business days for repeat clients. Timelines start when the file is ready for underwriting — all information and documents uploaded — not necessarily when the loan is submitted or under contract.
AE Capital Partners requires title insurance, which many local auction properties will not have. Some online auctions go through a closing agent that provides title insurance — check with the seller or platform.
Related programs
Other ways to finance the deal.
75% loan to value
Bridge Loans
Multi-year interim financing that bridges an acquisition, stabilization, or refinance — with no prepayment penalties.
80% loan to cost
Construction Loans
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.
80% loan to value
Buy & Hold Loans
30-year DSCR rental financing for single-family and multifamily investment properties, with low or no prepayment penalty options.
Ready when you are
Your next flip deserves a faster close.
Submit your fix and flip deal through the AE Capital Partners portal, or speak with our team about your project.
Prefer to talk? Call 310-810-1374