Acquisition + renovation
Finance an investment-property purchase and the approved renovation scope in one structure.
Fix & Flip Loan
Fix & Flip financing
Short-duration acquisition and renovation financing for non-owner-occupied residential investment property. The purchase, scope of work, completed value, sponsor, and exit are evaluated together.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.
Published Program Parameters
Fix & Flip terms at a glance
These figures are program parameters, not a quote. The complete transaction determines available leverage, structure, pricing, and approval.
- Loan Amount
- Up to $5M
- Term
- 12–24 months
- LTC
- Up to 95%
- ARV / LTV
- Up to 75%
- Experience
- All levels considered
Use Cases
When Fix & Flip may fit
The loan category is the starting point. Property, sponsor, leverage, timing, and exit still have to work together.
Owned-property renovation
Evaluate a property already owned when the remaining work and capital stack are clearly documented.
Sale or refinance exit
Structure the project around a supported resale or permanent rental refinance after completion.
Underwriting Lens
What the first review tests
A useful submission explains the transaction in numbers and shows how the intended outcome will be reached.
- Purchase price or current basis
- Detailed renovation budget and contingency
- After-repair value support
- Sponsor experience, credit, and liquidity
- Construction timeline and draw readiness
- Sale or refinance exit assumptions
Submission Checklist
What to assemble
- Purchase agreement or proof of ownership
- Line-item renovation budget
- Current property photos and project scope
- Comparable project history
- Entity documents and identification
- Evidence of liquidity and closing funds
Illustrative Review
How the pieces are read together
An investor has a residential property under contract, a line-item rehabilitation budget, comparable completed projects, documented cash for closing and carry, and two possible exits: resale or a DSCR refinance. RAMM would test basis, total cost, completed value, experience, liquidity, timeline, and both exits before discussing a structure.
Illustrative only. This example is not an offer, approval, representation of available terms, or promise that a similar request will qualify.
Common Friction
What can slow the file down
- A renovation budget that cannot be tied to the scope
- An unsupported after-repair value
- No allowance for contingency, carry, or delayed work
- Unresolved title, lien, or access issues
- A refinance exit that does not work at realistic rent and value
Frequently Asked Questions
Fix & Flip questions
Can a first-time investor be considered?
Yes. The published program considers all experience levels, but leverage, required liquidity, contractor strength, and other conditions depend on the complete file.
Does RAMM finance owner-occupied renovations?
No. The programs described here are for business-purpose, non-owner-occupied investment property.
Is the maximum leverage guaranteed?
No. Up to 95% LTC and up to 75% of ARV are program maximums, not a quote or approval.
Bring Us the Scenario
Submit a Fix & Flip scenario
Send the property, request, sponsor, timing, and exit. A complete file produces a faster and more useful preliminary review.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.