Our fix-and-flip financing options are perfect for both seasoned investors and beginners.
At Alpha Real Estate Services, we offer fix-and-flip loans to help real estate investors buy, renovate, and sell properties for a profit. Our loans provide short-term financing with flexible terms. You can quickly acquire and renovate properties without the hassle of traditional mortgage approvals.
Plus, our fix-and-flip loans cover 100% of renovation costs, so you won’t need extra funding.
We offer loan amounts starting as low as $30K. The best part? If the deal is good, you don’t need to worry about your credit score. We’re asset-based and focus on the deal itself to decide if we want to fund your project. We do check your credit, but it only affects your rates.
Loan guidelines
| THE NUMBERS | TIER A | TIER B | TIER C |
|---|---|---|---|
| % Of Purchase | 90 | 90 | 90 |
| % Of Rehab | 100 | 100 | 100 |
| % Of Max ARV | 75 | 70 | 65 |
| % Of Max LTC | 90 | 90 | 90 |
| Experience | 2 Deals/2 Yrs | 2 Deals/2 Yrs | 1st Timers Okay |
| Credit Score | 720+ | 660–719 | No Minimum |
| Cashout | 65% – no max (6 mo seasoning) | 60% – 150K max (6 mo seasoning) | 50% – 75K max (6 mo seasoning) |
| App Fee | $197 | $197 | $197 |
| FHA Cap | Loan Amount | Loan Amount | ARV |
| Baseline Inspection | No | No | Yes |
| Tax Returns | No | No | Yes |
| Well/Septic | No | No | Yes |
| Impound Next Yr Taxes | No | No | Yes |
Ask us about our Special Split Equity Partner Program, where we offer TOTAL 100% FINANCING. Purchase, Rehab and Closing Costs!