Fix and Flip Real Estate Investor Loan

Transforming Potential into Profits with Fix & Flip Loans

Tailored Financing for Investors Focused on Property Renovation

550

Minimum Credit Score

Not Calculated

Maximum Debt To Income

75%

Maximum Loan To Value

$5M

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage acknowledges the apprehensions that can arise within the fix-and-flip financing realm, particularly due to the presence of less-reputable brokers and the wide variance in lending terms across different private lenders. We understand the importance of trust and transparency when it comes to these types of real estate investment loans that often come with higher interest rates and less regulation due to their business purpose nature.

Navigating Fix & Flip Financing with Innovative Mortgage:

Competitive Analysis: With our access to over 100 sources of capital, including many that specialize in fix-and-flip loans, we’re in a unique position to shop around and secure the most competitive quotes for our clients.
Tailored Solutions: We cater to both seasoned and first-time fix-and-flip investors by offering a range of products, including lines of credit designed to make the investment process more efficient.
Focus on Real Estate Investors: Our passion for supporting real estate investors is reflected in our dedication to finding you the best financing options for your projects.
Experience Over Credit Scoring: We understand that, particularly in the fix-and-flip market, experience and a track record of successful projects can be as significant, if not more so, than a high credit score.

Benefits of Working with Innovative Mortgage for Your Fix & Flip Projects:

Expertise in Investment Financing: Our team has a strong interest and expertise in real estate investment, positioning us to better understand your needs and goals.
Custom Financing Structures: Whether it’s lines of credit for recurring investments or one-time loans for individual projects, we tailor our financing structures to suit your strategy.
Big-Picture Focus: We look beyond basic credit scores and consider the entirety of your investment profile, including your experience and portfolio, to secure fitting financing options.
Market Awareness: We keep our finger on the pulse of the ever-changing real estate market, enabling us to anticipate shifts and adapt our loan offerings to serve you best.

Aligning Your Investments with the Right Financing:

At Innovative Mortgage, we’re not just looking to provide a loan; we’re aiming to establish a partnership that supports your ongoing investment success. We treat each client’s investment aspirations with the attention and respect they deserve, ensuring that you’re not just getting a loan but the right loan for your fix-and-flip venture.

Contact Innovative Mortgage to discuss your fix-and-flip financing needs. Let’s work together to propel your real estate investments forward with the rock-bottom best quotes and financial products designed for your success.

Pros of Fix and Flip Loans

No Personal Income Verification

Loan approval is based on the property's after-repair value, not your personal income.

Funds for Purchase and Renovation

Loan can cover both the purchase and renovation of the property.

Short-term Loan

Perfect for the short timeline of a fix and flip project.

Cons of Fix and Flip Loans

Higher Interest Rates

Fix and Flip loans often have higher interest rates than conventional mortgages.

Requires Experienced Investor

Lenders typically require borrowers to have some experience in property flipping.

Key Issues That Will Get Early Attention

Analyze Investment Strategy

We'll evaluate your project's potential for profit to determine loan eligibility.

Understand Interest Rates

We'll ensure you fully comprehend the cost implications of higher interest rates.

Consider Timeline

We'll review the timeline of your project to ensure a Fix and Flip loan is the right fit.

Evaluate Experience

We'll assess your experience in flipping properties to help secure loan approval.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.