Fix and Flip Loans

Fix and flip funding is designed for investors looking to purchase, renovate, and quickly resell properties for profit. This type of funding covers the acquisition and improvement costs, allowing investors to focus on transforming properties without tying up personal capital. It’s an ideal solution for those who have a clear renovation plan, an understanding of the local market, and experience managing quick-turnaround projects. Investors who thrive in competitive markets or who are skilled at enhancing property value in a short timeframe are especially well-suited for fix and flip funding.

Loan Terms

  • 12% - 13% Interest Rate

  • 6-9 Month Loan Terms

  • Loans From $150,000-$500,000

  • 2.5-3.50 Points

  • 72-Hour Close Time, if needed

  • Same Day Approval

  • Interest Only Payments

  • No Penalty for Early Payoff

  • No Previous Project Requirements

  • LTV Up To 75% or 90% of the cost of the project

  • Entity Borrowers Only

  • All Closing Costs and Points Due at Closing

  • 30 and 90 Day Extension Options at Lender's Discretion

  • $1,995 Closing Fee - Includes Appraisal, Documents, Processing, & Flood Cert

Loan Requirements

  • Investor non-owner occupant loans only

  • Entity borrowers only

  • Personal guarantee required

  • Lender must be in first position

  • Insurance required

  • Lender should be named as mortgagee on insurance policy

  • Title policy is required, both owner and mortgagee

  • Tax Certificate

  • Survey may be required

  • Flood Certificate may be required

  • ACH draft required for monthly payment

Our Process is Simple

  • Apply

    Start by completing our simple application form, providing the basic details about your project and funding needs. We’ll review it promptly and guide you through the next steps to keep things moving smoothly.

  • Submit Docs

    Once your application is received, MCM Capital Funding will connect with you and request any additional documentation (entity docs, project budget, etc.). Upon approval, you will receive your term sheet for final signatures.

  • Funding

    We collaborate closely with your chosen title company to ensure a seamless funding process. Our goal is to eliminate delays so that you’re never left waiting for funds. With our smooth coordination, you can focus on closing your deal with confidence.