Fix & Flip | Fix & Hold

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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.

What distinguishes Fix & Flip from Fix & Hold loans at EJN Financial?
Fix & Flip loans are short-term financing solutions designed for investors aiming to purchase, renovate, and quickly resell properties for profit. These loans typically have terms ranging from 6 to 18 months and may cover up to 85% of the purchase price, including 100% of renovation costs. ejnfinancial.com

On the other hand, Fix & Hold loans cater to investors who intend to renovate properties and retain them as rental assets for long-term income. These loans often provide options for refinancing into long-term financing once renovations are complete.
EJN Financial emphasizes the overall health of your business rather than relying solely on credit scores. Their streamlined application process allows for faster approvals, often within 24 to 48 hours, enabling investors to act swiftly in competitive markets.

EJN Financial offers several benefits for Fix & Flip investors:

Yes, EJN Financial provides Fix & Hold loans that are structured for investors aiming to build a rental portfolio. These loans offer options for refinancing into long-term financing once renovations are complete, facilitating a smooth transition from flipping to holding properties for rental income.
EJN Financial’s Fix & Flip and 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.