Fix-and-Flip Financing Made Fast & Easy

Loan Structure & Funding

A fix-and-flip loan combines purchase and renovation funding into one loan, so you don't have to juggle multiple financing sources. You get the capital upfront to acquire the property and cover renovation costs. This means faster closing, fewer lenders to manage, and one clear timeline to completion.

We typically structure these loans based on the after-repair value (ARV) of the property, not the current condition. That's why we focus on your deal potential, not just credit scores. You borrow what you need to buy and renovate—nothing more, nothing less.

Fast Approval Timeline

Traditional banks take weeks or months to underwrite a flip project. We don't. Our specialized underwriting team understands fix-and-flip deals and can move fast without cutting corners.

Here's what to expect:

• • Day 1: Submit your application and property details. We respond same day with initial feedback.
• • Days 2–3: Property appraisal and deal review. Our team evaluates the property and your renovation plan.
• • Days 4–5: Final underwriting and approval. Once we're confident in the deal, we approve and move to closing.
• • Days 6–7: Closing and funding. Capital in your account, ready to close on the property and start work.

Timeline varies based on property complexity and documentation completeness. We prioritize speed without sacrificing due diligence.

Property Requirements

We fund a wide range of properties, but we do have some basic requirements to ensure the deal makes sense for both of us.

Repayment Options & Exit Strategies

Fix-and-flip loans are short-term financing, but we give you flexibility on how you exit the loan. Here are your main options:

The key: we structure the loan around your exit strategy, not the other way around. Tell us your plan, and we'll build the terms to support it.

Typical Project Timeline: Acquisition to Exit

Here's what a typical fix-and-flip project looks like from start to finish:

This timeline is typical but not guaranteed. Renovation delays, market conditions, and other factors can extend timelines. We build flexibility into our loan terms to account for real-world challenges.

How Brentwood Pacific Accelerates Your Timeline

Our specialized fix-and-flip expertise means we move faster than traditional lenders without cutting corners:

• Same-Day Response: Submit your application, get feedback within hours. No waiting days for a callback.
• Deal-Focused Underwriting: We evaluate the deal and property potential, not just credit scores. This means faster approvals for investors with solid deals.
• Flexible Terms: We customize loan terms to match your project timeline and exit strategy. No one-size-fits-all approach.
• Local Market Knowledge: We know Orange County and California markets. No surprises on property values, rental rates, or market timing.