Fix and Flip
In search of short-term financing to fund your next flip? CIVIC’s fix and flip loans allow you to purchase a property under market value, rehab it, and then re-sell it as quickly as possible.
Key Facts About Our Fix & Flip Loans
- NO prior experience required
- Extensive rehab financing available (budgets > 50% of total costs)
- Financing for up 100% of renovation expenses
- Foreign Nationals eligible
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Fix & Flip Loan
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LOAN PURPOSE
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Rehab loan for non-owner occupied residential investment property
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LOAN AMOUNT
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$50K - $5MM
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TERM
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12 months standard,
18 month option case-by-case |
BORROWER TYPE
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Entity required
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MINIMUM EXPERIENCE
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NO prior experience required
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MAXIMUM LOAN-TO-VALUE (LTV)
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Up to 70% After Repair Value (ARV) LTV
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Maximum LOAN-TO-COST (LTC)
Cost is purchase price amount |
Up to 90% LTC
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WHEN DO WE USE LTV VS LTC?
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Generally, we use the lesser of LTV or LTC calculation
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REHAB/CONSTRUCTION FINANCING
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Funding up to 100% rehab budget up to % Approved LTV of Total Costs
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FOREIGN NATIONALS
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Not allowed from ineligible country list
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PROPERTY TYPES
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Non-Owner Occupied:
- Attached or detached SFR - 2-4 unit properties - Townhomes - Condos |
Over $8 Billion in loans for Real Estate Investors

CIVIC partners with The Home Depot®, the world’s largest home improvement retailer, so we can provide additional value and solutions for your business.
Why Choose a Fix & Flip Loan?
- Fix & Flip loans are great for renovation projects, big or small.
- Grow with CIVIC: As you fund more property loans with us and gain experience, your terms may improve.
- Extensive Rehab financing is available for larger Fix & Flip projects.
BEGIN TODAY BY TAKING ADVANTAGE OF A FIX AND FLIP LOAN