Portland's Fix & Flip Lender for Experienced Investors
For experienced real estate investors in Portland, time is your most valuable asset. The Oregon housing market is highly competitive and offers significant profit potential (with property values increasing by approximately 6% annually). You need a financial partner who can move faster. Archwest Capital provides agile, in-house fix & flip loans designed specifically for the unique demands of the Portland investment landscape, where acquisition speed and strategic modernization are the keys to profit.
From gut rehabs of mid-century homes in competitive markets like Laurelhurst and Eastmoreland to high-end condo conversions and multi-unit modernizations near Downtown and Northwest Portland, 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 Our Fix & Flip Loan is built for experienced real estate investors ready to turn distressed properties or outdated homes into profitable residential assets.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
PORTLAND MARKET
Your Portland Investment Partner: Local Market Insights
Beyond providing capital, Archwest Capital is a partner with unparalleled local market knowledge. Our team closely monitors the renovation trends, the value of historic architecture, and the demanding buyer preferences unique to the entire Portland Metro. We understand the crucial 70% ARV rule and which essential upgrades yield the highest (ARV) in every submarket, particularly in the city’s highest-selling zip codes.
Specializing in Portland's High-Profit Fix & Flip Markets
We specialize in financing projects in the neighborhoods where Portland’s real estate investors are finding the greatest resale success.
Sabin & Concordia (Northeast): These high demand neighborhoods are competitive for acquiring classic homes that require significant structural and cosmetic modernization. Our agile process ensures you secure fast capital to win deals and execute high end restorations for premium resale prices.
Laurelhurst & Eastmoreland: These affluent, established areas are prime for historic home restoration and high end flips that target the move up buyer. We have the expertise to accurately value and fund projects that maximize profit margins in the city’s most desired, million dollar neighborhoods.
Jade District & Suburban Corridors: From strategic flips in emerging cultural hubs like the Jade District to volume rehabilitations of singlefamily homes in stable suburbs like Beaverton, our financing solutions are tailored to the wide range of fix and flip opportunities across the entire MSA.
Benefits in the Portland 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: Multnomah, Clackamas, Washington, Columbia, Yamhill, Clark, Skamania
City: Portland, Vancouver, Hillsboro, Beaverton, Gresham, Oregon City, Lake Oswego, Tigard, Camas, Redmond
Recently Funded
Ready to Flip in Portland?
From Laurelhurst to the Pearl District, Sabin to Hillsboro, the Portland Metro offers high demand, value add opportunities with exceptional profit potential. Archwest delivers the funding you need to acquire, renovate, and sell fast across the entire MSA.