Fix & Flip REFI powered by Honest Casa
Close in as little as 5–7 days* Get My Terms

Flip More Deals with As Little As 5% Down — Rehab Budget Included.

Business-purpose fix & flip and bridge loans from $100K to $3M. Interest-only payments, as-good-as-cash preapproval letters, and closings in as little as 5–7 days after approval.*

Up to 100% of your rehab budget financed — one loan, one close*
No tax returns or W-2s — qualify on the deal and your experience
As-good-as-cash preapproval letters — compete with cash buyers
5–7 day closes*From final approval to funded
No W-2s or tax returnsAsset & experience-based
Interest-only paymentsKeep your monthly carry low
Rehab budget includedUp to 100% of renovation costs*
Your terms are 60 seconds away 0%

How much total funding do you need?

Purchase price + rehab budget combined — drag the slider, you can change this anytime. Terms as of .

$250,000

Covers purchase and rehab in one loan

$100K$3M
Secure ~60 seconds No tax returns

Let's size up your project

Your best guess is fine — no documents needed yet.

ESTIMATED TOTAL PROJECT COST$375,000
Looking great — this project size fits our funding range.

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What describes your project?

This helps tailor your terms.

Where's the subject property?

Under contract or still scouting? Either is fine. Start typing and select the address — we verify it instantly so your terms are accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your terms?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your terms.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your terms and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats, Alex — you're a fit!

Your project fits our investor funding programs. Lock in your terms by completing your secure application below ↓

Requested funding$250,000
Total project cost$375,000
PropertyLong Beach, CA
Complete My Secure Application →
5 min No tax returns Secure & encrypted

Fit is based on the answers you provided and is not a loan approval. Terms are subject to verification, credit approval, property valuation, and underwriting.

5% down
as little as — for qualified investors*
5–7 days
to close after final approval*
100%
of rehab costs can be financed*
$3M
max loan — from $100K

From deal to funded in 3 simple steps

No branch visits. No mountains of paperwork. Tell us about your deal online — most investors finish in about 5 minutes.

01

Tell us about your deal

Answer a few quick questions about the property, your purchase and rehab budget, and your experience — fast, secure, and 100% online.

~5 minutes
02

Get your terms + preapproval letter

Create your account from the West Capital Lending email, review your terms, and get an as-good-as-cash preapproval letter so your offers compete with cash buyers.

Same day
03

Close and draw your rehab funds

Close in as little as 5–7 days after final approval,* then draw your rehab budget as stages of work are completed and inspected.

As fast as 5–7 days*

Why investors choose Fix & Flip REFI

Close at the speed of cash

Bank financing takes 30–60 days and kills deals. Our process compresses final approval to closing into as little as 5–7 days,* so your offers get taken as seriously as cash.

Keep your capital working

With as little as 5% down and up to 100% of rehab costs financed,* you tie up less cash per deal — and can run more projects at the same time.

No tax returns or W-2s

Qualification is based on the deal and your experience — the property, your budget, credit profile, and track record — not personal income documentation. First-time flippers are considered.

Rehab budget built in

Your renovation budget is included in one loan and released in draws as work completes — no juggling a second lender or draining reserves mid-project. Interest-only payments keep your carry low.

Fix & Flip REFI vs. the alternatives

Traditional banks are too slow for flips, and typical hard money ties up more of your cash. Here's how the numbers stack up.

Fix & Flip REFIRECOMMENDEDTraditional bankTypical hard money
Down payment As little as 5%* Often 20–25%+ Typically 10–20%
Typical time to close As little as 5–7 days* 30–60 days 1–3 weeks
Rehab budget included Up to 100%* Rarely Varies
Interest-only payments Yes Rarely Usually
No tax returns or W-2s Yes Full income docs Varies
Maximum loan amount Up to $3M Varies Often ≤ $1M
First-time flippers considered Yes Rarely Varies

Frequently asked questions

How fast can I actually close?
Checking your terms takes about five minutes. Once your file receives final approval, closings can happen in as little as 5–7 days for qualified borrowers — and an as-good-as-cash preapproval letter can be issued quickly so you can start making offers. Timing varies by title, property, state requirements, and how quickly verification steps are completed.
How does the rehab budget and draw process work?
Up to 100% of your renovation budget can be financed and rolled into the loan for qualified borrowers. Rehab funds are typically held in reserve and released in draws as stages of work are completed and inspected — you request a draw, progress is verified, and funds are released. Draw schedules and inspection requirements vary by project.
What does "as little as 5% down" actually mean?
For qualified investors, the down payment can be as low as 5% of the purchase price, with the rehab budget financed on top. Your exact down payment depends on experience, credit profile, property type, market, and loan-to-cost / after-repair-value limits — not all borrowers qualify for the minimum.
Do you check my income, tax returns, or W-2s?
No tax returns or W-2s are required. These are business-purpose loans qualified primarily on the deal itself — the property, your rehab plan, liquidity, credit profile, and your track record as an investor — rather than personal income documentation.
I've never flipped a house before. Can I still qualify?
Yes — first-time flippers are considered. Experienced investors typically unlock the lowest down payments and best pricing, but newer investors with solid credit, a realistic budget, and adequate reserves can get funded. Terms are matched to your experience level.
What is an "as good as cash" preapproval letter?
It's a preapproval letter strong enough to submit with your offers so sellers and listing agents treat them with cash-like confidence — because the financing behind it can close in days, not months. It is not a loan approval or commitment to lend; final terms are subject to underwriting.
What loan amounts and terms are available?
Loans range from $100,000 to $3,000,000 with terms typically 12–24 months and interest-only payments during the term. The loan is designed to be paid off when you sell the flip or refinance into long-term financing — the form above gives you a quick estimate of your total project cost.
Why do you need my legal name, email, and phone number?
These details flow directly into underwriting. Your legal name (as it appears on your government ID) is used for identity verification, and your email and mobile number are used to deliver your secure account link and verify it's really you. Inaccurate details are the most common cause of delayed terms.
Who is the lender?
Fix & Flip Refi is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

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