How your fix and flip loan is priced
One loan covers the purchase and the rehab. CR Equity AI sizes it on three numbers: the purchase price, the rehab budget, and the after-repair value (ARV), meaning what the property should be worth once the work is done.
If you have three closed projects and the loan is $1M or less, you can borrow up to 100% of the project cost (loan-to-cost, or LTC), always capped at 75% of ARV. Otherwise you can borrow up to 95% of cost, still within that ARV cap, depending on your experience and credit.
CR Equity AI does not publish a separate fix and flip interest rate. The bridge rate on our rates page is a different product, so use a term sheet on your own project for your real number.
Fixed fees you can plan for
As of September 15, 2026: $599 application fee, $199 background and lien search, and $999 for the AIVAA™ valuation, all due when you sign the term sheet, plus a $999 technology fee at funding. AIVAA™ (AI Valuation & Analytics Assessment) is our in-house property valuation, used instead of a traditional appraisal on fix and flip loans.
Title, escrow, insurance, and inspections are paid to third parties and vary by market. They are not CR Equity AI fees. Your term sheet and closing statement show the final figures.
Fix & Flip costs at a glance
| Detail | CR Equity AI |
|---|---|
| Maximum LTC | Up to 100% with 3+ closed projects and a loan of $1M or less; otherwise up to 95% — always capped at 75% of ARV |
| ARV cap | 75% of after-repair value |
| Minimum loan | $75,000 |
| Interest rate and lender fee | Priced on your deal and shown on your term sheet |
| Application fee | $599 when you sign the term sheet |
| Background and lien search | $199 when you sign the term sheet |
| AIVAA™ valuation | $999 when you sign the term sheet |
| Technology fee | $999 at funding |
| Credit check to see terms | Soft pull only — no effect on your score |
| Fastest funding | 24–48 hours once title is clear |
Who these costs apply to
- Investors buying and renovating a property to sell or reposition
- LLC and other entity borrowers with a written rehab budget and a realistic ARV
- Properties in the states we lend in (all except Vermont, North Dakota, South Dakota, and Nevada)
Not eligible
- A home you plan to live in
- RV parks and trailer parks
- Loans under $75,000
Example: what to look for on your term sheet
Say you buy for $280,000 and budget $70,000 for the rehab, a $350,000 project. If you have three closed projects, you can borrow up to the full $350,000 only when that amount is also within 75% of the after-repair value. If the ARV is $466,700 or higher, 75% of ARV is at least $350,000, so the full project cost can fit. If the ARV is lower, the ARV cap wins. Your term sheet shows the final loan amount.
The four fixed fees stay the same whatever the loan size. The interest and lender fee depend on the amount you borrow, so compare term sheets on those two lines.
Frequently asked questions
Related pages
Direct lender. We lend our own capital. Soft credit pull only — no hit to your score to get terms.
Brokers: you can submit a client’s deal or learn about our broker program.