The fix and flip market remains one of the most profitable strategies in real estate investing, but success depends heavily on timing. When a distressed property hits the market at the right price, multiple investors are competing for the same deal. The investor who can close fastest usually wins—and that’s where private lending changes the game.

Traditional bank financing typically takes 30 to 60 days to close. During that window, cash buyers and investors with private financing can swoop in, submit offers, and close before your bank has finished processing paperwork. For fix and flip investors, that delay doesn’t just cost time—it costs deals.

Why Speed Matters in Fix & Flip

Private lenders like 151 Capital can close fix and flip loans in as few as 10 days. This speed comes from a fundamentally different underwriting approach. Instead of lengthy income verification, tax return analysis, and committee-based approvals, private lenders focus on the deal itself: the property’s current value, the rehab budget, and the projected after-repair value (ARV).

This asset-based approach means that an experienced flipper with a solid deal can secure financing quickly, even if their personal financial profile doesn’t check every box a traditional bank requires. Our Fix & Flip program offers stated-income underwriting, interest-only payments, and loan amounts up to $5 million.

Structuring Your Fix & Flip for Maximum Returns

A successful flip starts with accurate numbers. Before you make an offer, you need to know your acquisition cost, renovation budget, holding costs (interest payments, insurance, taxes, utilities), and realistic ARV based on comparable sales. The difference between your total costs and ARV is your potential profit margin—and it needs to be large enough to absorb unexpected expenses.

Interest-only payment structures, like those offered through our Fix & Flip program, help keep your monthly holding costs low while the property is under renovation. With no prepayment penalty on 1-year terms, you keep more of your profit when you sell quickly. Combined with up to 92.5% loan-to-cost financing, private lending allows you to preserve your capital for multiple projects simultaneously rather than tying it all up in a single deal.

Ready to fund your next flip? Apply online or call us at (817) 739-0981 to discuss your project with our lending team.