Sandbox
INVESTMENT STRATEGY
Built for Every Level of Fix & Flip
From light cosmetic updates to full structural rebuilds, our fix and flip loans are structured to fund the right scope of work for your project.
INVESTMENT STRATEGY
Built for Every Level of Fix & Flip
From light cosmetic updates to full structural rebuilds, our fix and flip loans are structured to fund the right scope of work for your project.
Cosmetic
This approach focuses on low-risk, surface-level renovations that boost a property’s appeal without major structural work.
Learn More ->
Cosmetic flips are one of the most popular fix and flip strategies for real estate investors, especially those just starting out. This approach focuses on low-risk, surface-level renovations that boost a property’s appeal without major structural work. Common upgrades include hardware, installing modern light fixtures, and adding new countertops.
BEST FOR
Beginner investors or anyone seeking a fast house-flipping turnaround with minimal construction delays and lower renovation costs.
WHY INVESTORS CHOOSE IT
Cosmetic renovations offer a strong return on investment (ROI) with less capital risk, making this an ideal option for real estate investors looking to build their fix-and-flip portfolio.
Moderate Rehab
Moderate flips combine cosmetic updates with functional repairs that improve both a property’s look and performance.
Learn More ->
Moderate flips take the fix and flip strategy a step further, combining cosmetic updates with functional repairs that improve both a property’s look and performance. This level of renovation typically includes repairing or replacing an aging roof, remodeling outdated bathrooms and kitchens, and upgrading old HVAC systems to boost energy efficiency and long-term value.
BEST FOR
Investors with some construction knowledge or reliable contractor networks who want a higher profit margin than a simple cosmetic flip.
WHY INVESTORS CHOOSE IT
Moderate rehabs allow for greater value-add renovations and increased resale value, making them a smart move for house flippers ready to scale beyond beginner-level properties.
Heavy Rehab
This tier of fix & flip investing involves major structural renovations that go far beyond cosmetic or functional updates.
Learn More ->
Heavy rehabs represent the most complex tier of fix and flip investing, involving major structural renovations that go far beyond cosmetic or functional updates. These projects often mean stripping a property down to the studs, rewiring outdated electrical systems, replacing plumbing lines, and repairing foundational issues. These full-scale renovations transform a distressed property into a market-ready home.
BEST FOR
Experienced investors, seasoned general contractors, or investment teams with deep capital reserves to absorb unexpected structural surprises.
WHY INVESTORS CHOOSE IT
Heavy rehabs carry higher risk and a longer holding period, but they also offer the potential for the highest profit margins and biggest value-add in the fix-and-flip business. This is ideal for investors looking to maximize ROI on distressed or foreclosed properties.
PROJECT TYPES
Built for Every Stage of the Build
From single-family homes and small multifamily projects to infill and portfolio builds, our Ground Up Construction Loan provides the capital structure and confidence to take your project from blueprint to completion, on time and on budget.
New Construction
New constructions create a new single-family home, condo, or townhome tailored to buyer demand or a specific end buyer, whether the goal is a build-to-spec home or a fully custom luxury residence.
Learn More ->
Cosmetic flips are one of the most popular fix and flip strategies for real estate investors, especially those just starting out. This approach focuses on low-risk, surface-level renovations that boost a property’s appeal without major structural work. Common upgrades include hardware, installing modern light fixtures, and adding new countertops.
BEST FOR
Beginner investors or anyone seeking a fast house-flipping turnaround with minimal construction delays and lower renovation costs.
WHY INVESTORS CHOOSE IT
Cosmetic renovations offer a strong return on investment (ROI) with less capital risk, making this an ideal option for real estate investors looking to build their fix-and-flip portfolio.
Infill Projects
Infill construction developments bring new single-family, accessory dwelling units (ADUs), or small-scale residential development to vacant or underused lots inside already-established neighborhoods.
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Moderate flips take the fix and flip strategy a step further, combining cosmetic updates with functional repairs that improve both a property’s look and performance. This level of renovation typically includes repairing or replacing an aging roof, remodeling outdated bathrooms and kitchens, and upgrading old HVAC systems to boost energy efficiency and long-term value.
BEST FOR
Investors with some construction knowledge or reliable contractor networks who want a higher profit margin than a simple cosmetic flip.
WHY INVESTORS CHOOSE IT
Moderate rehabs allow for greater value-add renovations and increased resale value, making them a smart move for house flippers ready to scale beyond beginner-level properties.
Mid Construction
Financing for investors and builders who need to fund a project that is already underway, whether taking over an existing build or continuing construction after a change in capital or ownership.
Learn More ->
Heavy rehabs represent the most complex tier of fix and flip investing, involving major structural renovations that go far beyond cosmetic or functional updates. These projects often mean stripping a property down to the studs, rewiring outdated electrical systems, replacing plumbing lines, and repairing foundational issues. These full-scale renovations transform a distressed property into a market-ready home.
BEST FOR
Experienced investors, seasoned general contractors, or investment teams with deep capital reserves to absorb unexpected structural surprises.
WHY INVESTORS CHOOSE IT
Heavy rehabs carry higher risk and a longer holding period, but they also offer the potential for the highest profit margins and biggest value-add in the fix-and-flip business. This is ideal for investors looking to maximize ROI on distressed or foreclosed properties.
LOAN HIGHLIGHTS
Funding That Fits Your Strategy
Fix and flip financing built around your strategy. Get the capital, leverage, and flexible terms you need to purchase, renovate, and sell properties profitably.
Term Sheet Within 24 Hours
Get moving fast with quick turnaround on your loan terms, so you’re not stuck waiting to lock down a competitive property.
Closings as Fast as 7 Days
Speed matters in fix and flip investing, and our streamlined closing process helps you beat out other buyers on time-sensitive deals.
Interest on Drawn Amounts Only
Keep your holding costs down by paying interest only on the rehab funds you’ve actually drawn, not the full loan amount upfront.
100% of Rehab Funding Available
Whether you’re tackling a light cosmetic refresh or a heavy structural rehab, we can fund the full scope of your renovation budget.
INVESTMENT STRATEGY
Built for Every Level of Fix & Flip
From light cosmetic updates to full structural rebuilds, our fix and flip loans are structured to fund the right scope of work for your project.
Vice President, Valuations
Irvine, CA
Moderate flips take the fix and flip strategy a step further, combining cosmetic updates with functional repairs that improve both a property’s look and performance. This level of renovation typically includes repairing or replacing an aging roof, remodeling outdated bathrooms and kitchens, and upgrading old HVAC systems to boost energy efficiency and long-term value.
BEST FOR
Investors with some construction knowledge or reliable contractor networks who want a higher profit margin than a simple cosmetic flip.
WHY INVESTORS CHOOSE IT
Moderate rehabs allow for greater value-add renovations and increased resale value, making them a smart move for house flippers ready to scale beyond beginner-level properties.
Vice President, Valuations
Irvine, CA
Moderate flips take the fix and flip strategy a step further, combining cosmetic updates with functional repairs that improve both a property’s look and performance. This level of renovation typically includes repairing or replacing an aging roof, remodeling outdated bathrooms and kitchens, and upgrading old HVAC systems to boost energy efficiency and long-term value.
BEST FOR
Investors with some construction knowledge or reliable contractor networks who want a higher profit margin than a simple cosmetic flip.
WHY INVESTORS CHOOSE IT
Moderate rehabs allow for greater value-add renovations and increased resale value, making them a smart move for house flippers ready to scale beyond beginner-level properties.