Bottom Line Up Front
Fix and flip loans provide the capital to purchase distressed or value-add properties, fund renovations, and sell for a profit. These short-term loans are designed for experienced and aspiring real estate investors who need fast funding and flexible terms to execute renovation projects throughout California.
Overview
Fix and flip loans provide the capital to purchase distressed or value-add properties, fund renovations, and sell for a profit. These short-term loans are designed for experienced and aspiring real estate investors who need fast funding and flexible terms to execute renovation projects throughout California.
Who Qualifies?
Property value and after-repair value (ARV). Experience preferred but not always required. Down payment varies by LTV. Renovation budget and timeline plan.
Key Benefits
- ✓Finance purchase + renovation costs
- ✓Fast approval and funding
- ✓Based on after-repair value (ARV)
- ✓Short-term 6-18 month terms
- ✓Multiple draw schedule for rehab funds
- ✓No income verification in many programs
✅ Pros
- Quick access to capital
- ARV-based lending maximizes leverage
- Renovation funds included
- Scalable for repeat investors
⚠️ Considerations
- Higher interest rates
- Short repayment timeline
- Requires solid exit strategy
- Points and fees
California-Specific Information
California's high property values make fix-and-flip investing especially profitable. Markets like Los Angeles, San Diego, Sacramento, and the Inland Empire offer strong opportunities for renovation investors.
Rates & Pricing
Typically 9-12% depending on experience, LTV, and property type. Points range from 1-3%.
Why Choose Save Financial for Fix & Flip Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best fix & flip loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.