Fix & Flip Loan
Catalyx fix & flip loans give residential real estate investors fast, reliable capital to acquire, renovate, and resell single-family and small multi-family properties. We underwrite to the After-Repair Value and the soundness of the project plan — not to a rigid credit-scorecard formula. Funding is structured around how flippers actually operate: high leverage at acquisition, full rehab funded through a clean draw process, and short flexible terms that match a typical hold period.
Fast, Flexible Funding for Your Next Flip.
Maximum of Purchase Price
90%
100%
Of Approved Rehab Budget
75%
Maximum of After-Repair Value (ARV)
Maximum Loan Size
$10M
Key Features
Up to 90% of purchase price and 100% of approved rehab cost, capped at 70–75% of ARV (whichever is lower).
❋ High Leverage
Typical funding in 7–14 days with a complete document package; expedited timelines available case-by-case.
❋ Fast Closings
6–18 month terms with interest-only payments; extension options available.
❋ Short-Term Flexibility
❋ Deal-Based Decisions
Underwritten to ARV, scope of work, and sponsor experience — not just FICO.
❋ Draws Built for Builders
Rehab funds disbursed in scheduled draws with quick inspection turnaround (24–72 hours typical).
Most U.S. states supported; specific program availability may vary by jurisdiction.
❋ Nationwide Coverage
Rehab Draw Process
100% of the approved rehab budget is held in escrow at closing.
Initial Holdback
Inspections turn in 24–72 hours after request; funds are released to match completed work.
Progress Inspections
Pre-approved only; contingency funds available if budgeted at origination.
Change Orders
Issued after completion, final inspection, and closed permits.