What is a fix-and-flip loan?

A fix-and-flip loan is short-term financing used to purchase and renovate an investment property for resale. It can cover both acquisition and renovation costs.

What are the typical requirements for a fix-and-flip loan?

Typical requirements include a scope of work, a detailed rehab budget, an exit strategy, and investor experience. Archwest focuses on deal viability and execution rather than extensive income documentation.

How does the rehab draw process work?

Rehab funds are typically released in draws tied to milestones. Inspections verify completed work before each draw is disbursed to keep the project moving.

What are typical loan terms?

Fix & Flip loans commonly run 6 to 30 months with interest-only payments during renovation. Interest typically accrues on funds drawn.

How is this different from bank financing?

Bank loans can be slower and documentation-heavy. Fix & Flip financing is designed for investors who need speed, flexibility, and project-based underwriting.

Strategic Capital for Value Add Modernization in a Resilient Midwest Hub

For experienced real estate investors in Kansas City, the 2026 market presents a high-velocity opportunity as the city prepares for the global spotlight of the FIFA World Cup. While the median home price has climbed to approximately $320,711, it remains significantly below the national average, attracting a steady stream of out of state buyers and young professionals. You need a financial partner who moves at the speed of the Heartland. Archwest Capital provides agile, in-house fix and flip loans designed for the specific demands of the Kansas City landscape, where acquisition speed and functional modernization are the primary keys to capturing double digit appreciation.

From gut rehabs of historic bungalows in Volker and West Plaza to modernizing mid century ranch homes in Armour Hills and Morningside, our tailored financing empowers you to renovate with confidence and exit at peak market pricing.

LOAN HIGHLIGHTS

Fix and Flip Loan

Term

6 to 30 Months

Loan Amount

$200K to $5M+

LTC

Up to 95%

Cost Breakdown

Up to 92.5% of Purchase
& 100% of Rehab

Property Types

Non-Owner Occupied
SFR, Condo, Townhome, 2–4 Plex
Multifamily Up to 9 Units
ADU Conversions Okay

Power Your Next Project with Speed and Certainty

Fix-and-flip projects demand speed, flexibility, and reliable capital. Our Fix & Flip Loan is built for experienced real estate investors ready to turn distressed properties or outdated homes into profitable residential assets. With competitive terms, strong leverage, and financing tailored to a wide range of property types, we deliver the certainty and resources you need to bring your vision to life.

From gut renovations and light remodels to historic home modernizations and portfolio flips, our Fix & Flip Loan provides the capital structure and confidence to take your project from acquisition to resale, on time and on budget.

WHY ARCHWEST

The Archwest Difference: A Lender Built for Fix & Flip Investors

At Archwest Capital, we understand that your project’s success hinges on rapid, reliable financing. We are not a traditional bank; our lending approach is built on a deep understanding of investment real estate and the need for a lender who understands your business. Our loan programs are crafted for efficiency and flexibility, ensuring you have the capital you need precisely when you need it.

Term Sheet Within 24 Hours

Closings in Under 7 Days

Interest on Drawn Amounts Only

100% of Rehab Funding Available

KANSAS CITY MARKET

Your Heartland Investment Partner: Local Market Insights

Beyond providing capital, Archwest Capital is a partner with an eye on the 2026 Momentum Shift. Our team monitors the market where average sales prices have jumped 6.8% year over, year, yet days on market have stabilized near 57 days, providing a balanced environment for disciplined flippers.

Specializing in Kansas City's High-Profit Fix & Flip Markets

We specialize in financing projects in the specific neighborhoods where investors are finding the greatest resale success through strategic modernization.

Armour Hills & Morningside: These historic districts feature Tudor and Colonial Revival architecture that commands a massive premium when fully restored. Our agile process ensures you secure fast capital to modernize these heritage assets for the city’s highest tier buyers seeking walkable, community centric living.
Volker & West Plaza: These areas are hotspots for investors seeking entry-level fix and flips with high turnover potential near the Country Club Plaza. We have the expertise to accurately value and fund projects that target the high demand for modernized, affordable housing among young professionals and university staff.
Longfellow & Midtown: Targeting older housing stock for modernization and resale as high quality primary residences. We provide financing tailored to projects that leverage the area’s ongoing cultural revitalization and proximity to downtown while achieving significant ARV spreads.

Benefits in the Kansas City Market

Benefits	Why It Matters Here
Up to 90% LTC	Buy more with less out of pocket
100% Rehab Financing	Complete your full scope without using your own cash
Fast Approvals	Close quickly in competitive neighborhoods
Ideal for Value Add Deals	Perfect for older homes with strong resale upside
Local Support	Insights to guide you deal-by-deal

What Our Partners Say

Archwest is the best lender to the best flippers. We help clients execute with speed and maximize returns.

How It Works

Apply Online

We assess your plans and track record to ensure a strong market fit.

Get Approved Fast

Detailed review of budget, scope, and exit strategy with appraisals based on completed value.

Close & Fund

Interest-only payments during construction; underwriting focused on project strength.

Renovate & Sell (or Refi)

Fix the property and exit through sale or transition into a DSCR rental loan.

FAQ

Frequently Asked
Questions

Answers to common questions about working with Archwest Capital

How does a fix and flip loan work?

A Fix & Flip Loan is a short-term financing solution designed for real estate investors looking to purchase, renovate, and resell properties quickly. These loans cover both acquisition and renovation costs, providing the capital needed until the property is sold.

What credit score do I need for a fix and flip loan?

Archwest generally requires a minimum average FICO score of 680 for loan eligibility. Alongside credit, Archwest also weighs the strength of the deal and the investor’s track record, rather than relying solely on personal income documentation the way traditional bank financing does.

How long does it take to close on a fix and flip loan?

Closings can happen in as little as 7 days with Archwest. Timelines may vary based on borrower qualifications, property details, and market conditions.

Do I need real estate investing experience to qualify?

Yes, Archwest typically works with experienced investors who have completed at least one project within the past 36 months. Experience requirements vary by loan product, so reach out to discuss eligibility based on your investment background.

How do I start my loan application process?

You can request a quote through our website Get an Estimate and someone will get back to you as quickly as possible.

Nationwide Lender with Local Expertise

County: Jackson, Clay, Platte, Cass, Johnson, Wyandotte, Leavenworth, Miami

City: Kansas City, Overland Park, Kansas City (KS), Olathe, Independence, Lee’s Summit, Shawnee, Blue Springs, Lenexa, Leawood

Recently Funded

Ready to Flip in Kansas City?

From the historic elegance of Armour Hills to the urban energy of Midtown, the Kansas City Metro offers the strongest appreciation fundamentals in the Midwest. Archwest delivers the funding you need to acquire, renovate, and sell fast across the entire MSA.