Fix & Flip | Fix & Holds
Secure the Capital You Need to Buy, Renovate, and Sell for Profit!
What is a Fix & Flip | Fix & Hold Loan?
A Fix & Flip | Fix & Hold loan is a specialized financing option designed for real estate investors who purchase distressed or undervalued properties, renovate them, and either sell for a profit (Fix & Flip) or hold them as rental properties for long-term income (Fix & Hold).
Unlike traditional mortgages, these loans are structured for speed and flexibility, allowing investors to secure funding quickly—often within days—so they can compete in fast-moving real estate markets. These loans typically cover both the purchase price and renovation costs, helping investors maximize their capital efficiency.
Fix & Flip loans are ideal for short-term projects, offering fast approvals and interest-only payments to improve cash flow during renovations. On the other hand, Fix & Hold loans are structured for investors who want to build a rental portfolio, providing options for refinancing into long-term financing once renovations are complete.
Which business is ideal for this type of small business financing?
This type of funding is perfect for those who need flexible and efficient capital to grow their real estate business. Fix & Flip | Fix & Hold loans are ideal for real estate investors, house flippers, and rental property owners looking to acquire distressed or undervalued properties, renovate them, and either sell for profit or hold for long-term rental income. Real estate investors who specialize in property rehabilitation can benefit from the fast access to capital, allowing them to move quickly on investment opportunities. House flippers who focus on short-term projects can use this financing to fund both the purchase and renovation costs, maximizing their return on investment. Rental property owners looking to build a portfolio can take advantage of Fix & Hold loans to upgrade properties before transitioning to long-term financing solutions.
Advantages
Fix & Flip | Fix & Hold loans is the ability to secure funding quickly, often much faster than traditional bank loans, allowing investors to move on profitable deals without delay. These loans also cover both the purchase price and renovation costs, reducing the need for out-of-pocket expenses and preserving cash flow. Additionally, they offer flexible loan terms tailored to investment timelines, making them a practical choice for real estate investors with short-term or transitional financing needs.
Disadvantages
One of the main disadvantages of Fix & Flip | Fix & Hold loans is that they typically come with higher interest rates compared to traditional mortgages, which can increase borrowing costs. These loans also have shorter repayment terms, often requiring full repayment within 12 to 24 months, which may put pressure on investors to complete renovations and sell or refinance quickly. Additionally, real estate market fluctuations can pose a risk, as changes in property values could impact potential profits or refinancing options.
Our 3 Step Process
Prequalify Online
To get prequalified, follow the "Apply Now" button and submit some basic business information.
Get Approved
After your submission has been processed by the underwriting team, we will reach out to discuss the options you qualify for.
Get Funded
Upon approval and accepting the offer, funds are deposited directly into your business bank account so you can use the money immediately.
Qualifying Criteria
Approval for loans from EJN Financial isn’t based on your credit score alone.
We focus on the overall health of your business.
