01
Priced on the After-Repair Value
We underwrite what the property will be worth once the work is done. That is the number that decides your loan — not today's tired condition.
Fix & Flip
Fix and Flip Loans — up to 100% LTV
We price the deal on what it will be worth after repairs, not what it looks like today. Three projects behind you and a loan of $1M or less can reach 100% LTV. Funded in 24–48 hours.
- 100%
- Max LTV
- 48 hrs
- To Funding
- 24 mo
- Bridge Term
- Max LTV
- 100% on loans of $1,000,000 or less with 3+ completed projects (credit score does not gate the 100% advance). Otherwise up to 95%, set by projects completed and credit score.
- Term
- Up to 24 months of bridge, then up to 36 months of stabilization — no new application between the two.
- Priced On
- Purchase price, rehab budget, and the after-repair value (ARV) — the purchase and the work in one facility.
Underwriting
What you can actually borrow on a fix & flip
We price the deal on what the property will be worth after the work, not what it looks like today. With a track record behind you, that can mean bringing the deal instead of the down payment.
100%
Max LTV
A fix & flip is always on the Bridge track, so the full advance is in reach once your track record and loan size qualify — credit score is not a gate for 100%.
- Three or more projects already closed
- Loan of $1,000,000 or less
- Priced against the after-repair value (ARV)
Miss any condition and your advance comes off the grid — up to 95%. F.L.E.X. 50™ is the light documentation alternative: a far lighter file and a faster close, in exchange for a 50% cap.
If you don't clear the full advance
Below the full advance, max LTV is a function of two things at once: projects you have closed, and your credit score. Find your row, then your column.
| Projects closed | 660–699credit | 700–719credit | 720+credit |
|---|---|---|---|
| First-time investor | 70% | 75% | 80% |
| 1–2 projects | 75% | 80% | 85% |
| 3–5 projects | 80% | 85% | 90% |
| 6–9 projects | 85% | 90% | 93% |
| 10+ projects | 85% | 90% | 95% |
Credit under 660
The grid needs a 660. Below that we price off the asset class instead — the building carries the risk your score won't.
- Multifamily
- 80%
- Retail
- 70%
- Single-family
- 90%
- Industrial
- 65%
- Storage
- 65%
- Mixed-use
- 65%
- Office
- 60%
- Hospitality
- 60%
- Land
- 55%
ITIN & foreign nationals
ITIN holders and foreign national investors with at least two completed projects in the U.S. and a FICO score of 650 or higher may qualify for the same LTV terms as U.S. borrowers. All other eligible ITIN holders and foreign national investors may qualify for up to 70% LTV. Final LTV is subject to underwriting.
- At least 2 completed U.S. projects · FICO 650+
- Same LTV terms
- Other eligible investors
- Up to 70% LTV
Why flip with CR Equity AI
Most lenders price on what the property is worth today. That is exactly the number you are about to change.
02
Funded in 24–48 Hours
The fastest path we offer. Two-minute application, AI-read file, money out while the other bidder is still waiting on an appraisal.
03
Broad Asset Coverage
Multifamily, mixed-use, retail, industrial, storage, hospitality, and single-family non-owner-occupied. All commercial asset types except RV and trailer parks.
04
Built-In Take-Out Path
Phase 2 stabilization runs up to 36 months with no new application — so the exit is underwritten on day one, not scrambled for at month 23.
05
We Lend Our Own Capital
No broker in the middle taking points, no file sent out to a marketplace. The decision on your deal is ours, which is the only reason it lands in 24-48 hours.
Purchase and rehab, funded together
One facility covers the buy and the work, so the job never stalls waiting on capital that has not arrived.
- Max LTV
- 100% on loans of $1,000,000 or less with 3+ completed projects (credit score does not gate the 100% advance). Otherwise up to 95%, set by projects completed and credit score.
- Term
- Up to 24 months of bridge, then up to 36 months of stabilization — no new application between the two.
- Priced On
- Purchase price, rehab budget, and the after-repair value (ARV) — the purchase and the work in one facility.
- Collateral
- All commercial asset types except RV and trailer parks
- Minimum Loan
- $100,000
Who qualifies
Business-purpose rehab and resale on commercial and non-owner-occupied residential property.
Eligible
- Investors buying and improving a property to resell or reposition
- Sponsors funding the work on a property they already own
- Entity and LLC borrowers on business-purpose transactions
- ITIN and foreign national investors*
- Deals with a defensible after-repair value and a scoped rehab budget
- Experienced flippers — 3+ projects and a loan at or under $1M reaches 100% LTV
Not eligible
- RV parks and trailer parks
- Consumer-purpose or owner-occupied primary residence loans
- Loans under $100,000
- Deals without a credible exit or stabilization thesis
- Rehab budgets without a scope of work or a credible ARV
*ITIN and foreign national investor LTV is based on experience and may be reduced based on final underwriting.
When investors use a fix & flip loan
The situations this loan was built for.
Classic Buy, Fix, Sell
Acquire below market, run the scope, and exit into the retail buyer.
A Deal That Cannot Wait 30 Days
Funded in 24–48 hours — the fastest structure we write.
Value-Add Multifamily
Unit turns and rent growth, then refinance into stabilization and hold.
Rehab on a Property You Own
The asset is already yours and you need capital for the work, not the purchase.
Volume Flippers at 100%
Three projects done and a loan under $1M — bring the deal, not the down payment.
Repositioning Retail or Office
Capex and re-tenanting, with the stabilization phase waiting on the other side.
What Borrowers Say
Bridge and fix & flip sponsors who closed with CR Equity AI.
Frequently Asked Questions
Straight answers on 100% financing, credit, direct lending, ARV, and speed.
Yes, on a fix and flip specifically — and only when two things are true: you have completed at least three projects, and the loan is $1,000,000 or less. Credit score does not gate the 100% advance. Outside that window, your advance comes off the experience and credit table, which tops out at 95%.
We run a soft pull to price the deal. It does not affect your score. A hard pull only happens once you accept terms and move to closing.
Direct. We underwrite with our own AI and lend our own capital.
Yes. The purchase and the rehab are funded in one facility, so you are not raising a second round of money halfway through the job.
Three numbers: the purchase price, your rehab budget, and the after-repair value. The ARV is the one that matters most — it is what the loan is sized against.
Flex 50™ is a light documentation product capped at 50% LTV — you trade advance rate for a much lighter file and a faster close. A fix and flip loan goes far higher on LTV and runs the full bridge document set.
Refinance into stabilization and hold — up to 36 months, with no new application.
24 to 48 hours on a clean file. This is the fastest structure we write.
Yes. ITIN holders and foreign national investors are eligible. LTV is based on experience and may be reduced based on final underwriting. Additional documentation may be required.
The deal is only cheap until someone else sees it.
Two-minute application. Funded in 24–48 hours. Purchase and rehab in one loan.
- 100%
- Max LTV
- 24–48 hrs
- To funding
- $100k
- Minimum loan