Fix and Flip Financing

Fix, and flip loans are typically used by real estate investors who want to buy and renovate a property and then sell it for a profit.

Typically, this kind of a loan is used almost exclusively for a residential house.

Research from Attom Data shows that more than two hundred thousand homes were flipped in 2017, at an average profit of $68143 per property.


That’s a lot of money, but flipping requires a lot of upfront cash as well.

There are 4 aspects of Fix and Flip that you will need money for:

  1. Down payment for the house (between 10 to 45% of total price)
  2. The maintenance cost of the home (e.g., insurance payments, HOA fees, and other costs)
  3. Manpower and raw material for the renovation
  4. Selling costs- that is all closing costs including realtor fees to sell the property


Another factor that is critical in flipping is the time sensitivity. Very often, “great deals” come by and are snatched up by Flippers in the nick of time. This requires the quick availability of cash to avoid missing the big opportunities.


So, whether you are considering flipping your first home, or you are a veteran flipper, there are 2 things you need:

  1. Upfront capital and
  2. Easy access to quick loans


Banks and other traditional lending agencies are very reluctant to give loans to flipping houses. There are a couple of reasons. First, most of the properties here are considered “undesirable” and don’t meet Federal Housing Administration (FHA) guidelines. So federal agencies like Fannie Mae and Freddy Mac won’t back loans for these properties which limits traditional borrowing options. Secondly, flipping loans are only taken for a few months as the whole point is to renovate and sell quickly. And banks either don’t lend for such short periods or have extremely unfavorable conditions.


That’s where we come in. Gold Card Capital’s Fix and Flip loans are customized to your requirement. So whether you want to flip one property or your entire commercial portfolio, we have a financing solution. With flexible payment schedules, interest only as well as term loans, and a host of customer friendly options, we are the right place for you.

Learn more about Gold Card Capital  today. Please call for any free analysis/consultation on 1-855-479-9380 or send an email to