Short-Term Value-Add
Fix and flip loans for value-add projects.
Short-term acquisition and rehab financing for investors moving fast. We find the terms — you focus on the project.
How fix and flip financing is structured
Most fix and flip loans fund the purchase up front and release rehab money in draws as work is completed and inspected. That structure keeps your cash in the deal rather than sitting in a construction budget, but it means your draw schedule and your contractor's pace are genuinely part of the underwriting conversation.
Program Ranges
What we see across our lender network
Up to 80% LTV
Competitive leverage on acquisition with rehab funds structured to your project timeline.
$50K – $5M+
From small single-family flips to large-scale projects — we work across the full range.
6–12 Month Terms
Short-term structures designed around your rehab scope and exit timeline.
640+ Credit Score
Accessible terms for experienced and newer investors alike.
Common questions
How do rehab draws work?
You fund a stage of work, request a draw, the lender inspects, and the money is released. Budget for the gap — you are usually out of pocket between completing work and receiving the draw.
Do I need flipping experience?
Not always, but it affects terms. Experienced investors generally see better leverage and pricing. Newer investors are placeable; expect more scrutiny on the budget and the contractor.
What happens if the project runs long?
Extensions are usually available and usually cost something. Tell us your realistic timeline rather than your optimistic one — building the extension in up front is cheaper than negotiating it later.
Is ARV or purchase price used for leverage?
It varies by lender. Some cap on purchase price plus rehab, others on after-repair value. That distinction changes how much cash you bring, so it is worth pinning down early.
What if I want to keep the property instead of selling?
Then you will need an exit into long-term financing. See DSCR loans, which is how most investors refinance a completed flip into a rental hold.
Related Tools
Run the numbers first
Fix & Flip Calculator
Estimate ARV, rehab budget, holding costs, and projected profit.
BRRRR Calculator
Model the buy, rehab, rent, refinance path if you plan to hold.
Affordability Calculator
Check what price and payment your position supports.
Ranges shown are based on a network of lenders and are not guaranteed. Final terms are subject to qualification, property type, credit profile, and lender approval. Kinship Commercial Lending is a brokerage and is not a direct lender. This page is not a commitment to lend.
Get Started
Have a project lined up?
Send us the purchase price, the rehab budget, and your exit. We'll come back with what our lender network will actually do.
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