First-time investor
- Credit 660–69970% LTV
- Credit 700–71975% LTV
- Credit 720+80% LTV
Fix & Flip · Rehab lending
Rehab fix & flip loans — up to 100% LTC
CR Equity AI funds purchase and rehab in one facility. Up to 100% loan-to-cost (LTC) on qualifying Fix & Flip: three closed projects and a loan of $1M or less. Funded in as little as 48 hours once title is clear. Soft credit pull only to see terms.
- 5 min
- Terms
- 4 hrs
- Decision
- 48 hrs
- Fastest fund
- 9-15 days
- Typical close
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. Soft credit pull only — no hit to your score to get terms.
1–2 projects
- Credit 660–69975% LTV
- Credit 700–71980% LTV
- Credit 720+85% LTV
3–5 projects
- Credit 660–69980% LTV
- Credit 700–71985% LTV
- Credit 720+90% LTV
6–9 projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+93% LTV
10+ projects
- Credit 660–69985% LTV
- Credit 700–71990% LTV
- Credit 720+95% LTV
Miss any condition and your advance comes off the grid — up to 95%.
F.L.E.X. 50™ is the light-documentation alternative: a lighter file and a faster close, in exchange for a 50% cap.
Credit below 660? Your property still matters.
The experience grid starts at 660.
Below that score we look more closely at the property type and the strength of the deal. The asset carries more of the risk.
- Multifamily80%
- Retail70%
- Single-family90%
- Industrial65%
- Storage65%
- Mixed-use65%
- Office60%
- Hospitality60%
- Land55%
Are you an ITIN or foreign-national investor?
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
First deal, zero completed projects?
First-time investors can qualify — zero completed projects does not automatically exclude you. See our first-time real estate investor loans guide for the applicable experience and credit tiers, including the DSCR path, which does not require prior investment experience.
Fix and flip loans for first-time and beginner investors
Zero completed flips is not a disqualifier. The 100% LTC advance is reserved for investors with three or more closed projects, but a first deal is still financeable — leverage is set by your credit score instead of a track record.
- Credit score 660–699
- Up to 70% LTV
- Credit score 700–719
- Up to 75% LTV
- Credit score 720+
- Up to 80% LTV
Every deal still needs a defensible after-repair value and a scoped rehab budget — the underwriting looks at the property, not just the applicant. The full experience and credit grid above covers every tier, from a first flip to ten-plus completed projects.
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.
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.
02
Funded in as little as 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
Rehab Budget in the Same Loan
Purchase and renovation capital in one rehab fix and flip facility — so the job does not stall waiting on a second round of money.
04
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.
05
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.
06
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 LTC
- 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
- $75,000
Who qualifies
Business-purpose rehab and resale on commercial and non-owner-occupied residential property.
| Status | Situation |
|---|---|
| Eligible | Investors buying and improving a property to resell or reposition |
| Eligible | Sponsors funding the work on a property they already own |
| Eligible | Entity and LLC borrowers on business-purpose transactions |
| Eligible | Deals with a defensible after-repair value and a scoped rehab budget |
| Eligible | Experienced flippers — 3+ projects and a loan at or under $1M reaches 100% LTC |
| Not eligible | RV parks and trailer parks |
| Not eligible | Consumer-purpose or owner-occupied primary residence loans |
| Not eligible | Loans under $75,000 |
| Not eligible | Deals without a credible exit or stabilization thesis |
| Not eligible | Rehab budgets without a scope of work or a credible ARV |
ITIN and foreign-national investors are a borrower type, not this loan type. See ITIN & foreign national loans.
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. That 100% is loan-to-cost (LTC). 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%. Side-by-side with other names: /compare and /guides/best-fix-and-flip-lenders.
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 LTC 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.
You may still qualify for DSCR financing on an investment property. ITIN and foreign-national status describes who the borrower is, not a separate loan type.
For borrower-specific eligibility, requirements, and available programs, see ITIN & foreign national loans.
CR Equity AI funds purchase and rehab in one facility, priced against after-repair value rather than the property's as-is condition. A clean file can fund in 24–48 hours because we are a direct lender with our own capital.
An ARV loan sizes the advance against what the property will be worth after repairs, not its current condition. Every fix and flip loan we write uses that approach — one facility for purchase and construction.
Yes. First-time sponsors can still qualify on the published experience-and-credit grid — up to 80% LTV with a 720+ score is a common starting tier. Up to 100% LTC is reserved for qualifying sponsors with three or more completed projects and a loan of $1,000,000 or less. See first-time real estate investor loans for the full first-timer breakdown, including the DSCR buy-and-hold path.
Yes. We underwrite the deal, not your pay stubs — no income verification or tax returns on fix and flip. A soft credit pull places you on the grid before anything hard-touches your file.
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 LTC
- 24–48 hrs
- To funding
- $75k
- Minimum loan