Most lenders size a flip on what the property is worth today. The Fix and Flip Borrower Guidebook explains a different approach: sizing the loan on purchase price, rehab budget and after-repair value (ARV), with purchase and renovation funded in one loan. It covers leverage, costs, documents and the path from quote to funded in eight short sections.
Issued October 2026. Business-purpose loans only.
What’s Inside the Guidebook
- Program at a glance: loan type, term, payments, credit check, income documents, speed and eligible collateral
- How much you can borrow: the leverage grid by completed projects and credit band, the 75% ARV cap † and a side-by-side worked example
- Costs, fees and payoff: origination, technology fee, third-party costs and the prepayment schedule †
- Who qualifies: eligible and ineligible borrowers and deals
- Document checklist: what’s needed for the deal, the borrower and closing, and how rehab draws are released
- Next steps: five steps from quote to funded
- Plain-English glossary: terms like LTC, ARV, holdback, draw and personal guaranty
- FAQ and disclosures
Key Figures at a Glance
| Max loan-to-cost | Up to 100% (3+ completed projects, loan ≤ $1M) |
| ARV cap | 75% of after-repair value † |
| Minimum loan | $75,000 |
| Term | Up to 24 months bridge, then up to 36 months stabilization |
| Funding speed | As little as 24–48 hours once title is clear; typical close 9–15 days |
Who This Guidebook Is For
- First-time flippers who want to know where they start (70–80% of cost, depending on credit) and what a credible ARV and scope of work look like
- Experienced investors weighing how a track record of 3+ projects changes leverage
- Investors planning to hold who want to understand the move into stabilization or a DSCR rental loan
Why Read It Before You Apply
- It shows how the lower of the LTC limit and the ARV limit sets your actual loan.
- It lists the closing costs and reserves that “100% financing” does not cover.
- It tells you which documents to send first (scope of work and track record) so your file doesn’t wait.
To see how the numbers work for your deal, read the full fix and flip loan program page.
Get Your Terms
Ready to run your own numbers? Enter your purchase price, rehab budget and ARV to see terms in about five minutes, with a soft credit pull that doesn’t affect your score.
- Get terms: crequity.ai/quick-quote
- Submit a deal: crequity.ai/submit-deal
- Program page: crequity.ai/programs/fix-and-flip
- Answers: crequity.ai/faq
- Questions: info@crequity.ai · (949) 328-6622
This guidebook is general program information for business-purpose real estate investment loans. It is not a commitment to lend, a loan approval or an offer of credit. Items marked † are program guidelines confirmed only in a written term sheet. Rates and terms change without notice.