Fix & Flip Home Loans in Austin, TX

Short-Term Money for Renovate-and-Sell Projects

A fix and flip loan is short-term financing, usually around a year, that helps an investor buy a property and pay for renovations before reselling. Lenders focus on the deal itself: purchase price, renovation budget, after-repair value and your track record. Renovation money is usually released in draws as work is completed and inspected.

Who These Loans Suit

• Investors with a clear scope of work and a reliable contractor.
• Buyers who need to close fast on a distressed property.
• Flippers who plan to sell, not hold.

If you plan to keep the property

• Refinance into a DSCR Home Loan once it’s rented.
• Or move into a long-term fixed rate mortgage.
• If you’ll live in it, a rehab loan or a VA Home Loan with renovation features may fit better.
• High-value finished homes may eventually need a Jumbo Home Loan for the end buyer.

What You’ll Bring

• Purchase contract and a line-item scope of work with costs.
• Your experience with past projects.
• Proof of funds for your share of costs plus a cushion for overruns.
• Contractor information and insurance.

Our Steps

1. Deal review. We look at price, budget and after-repair value.
2. Lender match. We compare leverage, rate, points and draw process across lenders.
3. Close quickly. Many investor lenders can move fast with a complete file.
4. Draw support. We help you understand the inspection and draw schedule.

Fix and Flip Questions

Flipping in the Austin Area

Permits, inspection timelines and contractor availability around Austin can stretch a project. Older neighborhoods may also bring foundation, drainage or tree ordinance considerations. Build extra time and budget into your plan, and make sure your resale comparables are solid before you buy.