What is a fix-and-flip loan?

A fix-and-flip loan is short-term financing used to acquire and renovate residential investment properties for resale. These loans are designed for real estate investors seeking speed and flexibility in competitive markets like Miami.

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

We focus on deal quality and investor experience rather than personal income. Borrowers should provide a renovation plan, budget, and prior project history. Loan amounts range from $150K to $5M+ with high leverage and full rehab financing available.

How does the draw process work?

Funds for renovation are released in stages after work is completed and inspected. Each draw ensures continued funding throughout the project while keeping timelines tight for Miami’s active housing market.

What are the typical loan terms and rates?

Loan terms typically range from 6 to 30 months with interest-only payments. Rates are competitive and based on project scope, borrower experience, and local market conditions.

How does Archwest differ from traditional bank loans?

Traditional banks require extensive documentation and long approval times. Archwest Capital offers faster closings, flexible underwriting, and dedicated support — ideal for investors flipping homes in Miami’s fast-paced real estate market.

Miami's Fix & Flip Lender for Experienced Investors

For experienced real estate investors in Miami, time is your most valuable asset. The South Florida market is relentlessly competitive and moves at lightning speed, demanding a financial partner who can close faster than the bidding wars. Archwest Capital provides agile, in-house fix-and-flip loans designed specifically for the unique demands of the Miami investment landscape.

From luxury modernizations in the competitive markets of Miami Beach and Coral Gables to historic home and condo conversions in Wynwood and Brickell, our tailored financing and streamlined process empower you to renovate with confidence and speed.

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

MIAMI MARKET

Your Miami Investment Partner: Local Market Insights

Beyond providing capital, Archwest Capital is a partner with unparalleled local market knowledge. Our team closely monitors the trends and unique opportunities within the massive South Florida Tri-County area, empowering you to make data-driven investment decisions.

Specializing in Miami's High-Demand Fix & Flip Markets

We specialize in financing projects in the neighborhoods where Miami’s real estate investors are finding the greatest resale success.

Miami Beach & South Beach: These coastal neighborhoods are hyper-competitive for luxury condo renovations and single-family home flips. This market demands a lender who prioritizes speed for quick acquisitions that maximize After Repair Value (ARV).
Wynwood & Edgewater: These areas are major hotspots for adaptive reuse and historic building conversions, attracting high-end buyers drawn to urban culture. We have the expertise to value and fund these nuanced projects, helping you tap into this high-growth segment.
Coral Gables & Beyond: From acquiring dated Mediterranean-style homes for high-end modernization in Coral Gables to securing value-add single-family properties in the growing suburbs, our financing solutions are tailored to the wide range of fix and flip opportunities across the entire Miami Metropolitan Area.

Benefits in the Miami 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?

Our expert team is committed to moving your loan efficiently from application to funding, including same day quotes.

Fix & Flip Loans: As fast as 3 business days; 2 week average

Timelines may vary based on borrower qualifications, property details, and market conditions. In addition, once a borrower is approved, future transactions can close even quicker.

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: Miami-Dade, Broward, Palm Beach

Cities: Miami, Fort Lauderdale, West Palm Beach, Hialeah, Hollywood, Boca Raton, Coral Gables, Pompano Beach, Kendall, Delray Beach

Recently Funded

Ready to Flip in Miami?

From Miami Beach to Coral Gables, Wynwood to Doral, Miami offers high-margin, value-add opportunities for experienced investors who move fast. With Archwest, you’ll get funding that matches your hustle.