Speed Is Your Best Asset. Slow Financing Will Kill the Deal.
In the flip game, the best deals go to the investors who can close the fastest. We provide access to bridge and rehab capital that moves at the speed of your business.
When you find a deeply discounted property, you don't have 45 days to wait for a bank committee to make a decision.
You need capital that understands distressed assets, construction budgets, and After Repair Value (ARV).
Traditional mortgages don't work for flips. The properties often don't pass standard appraisals, and the timelines are too slow.
We help flippers access specialized short-term capital designed specifically for acquisition and renovation.
How Flip Financing Works
- Loans based on After Repair Value (ARV), not just current condition
- Funds available for both the purchase and the construction draw schedule
- Fast closings to compete with all-cash buyers
- Interest-only payments to keep holding costs manageable
What You Need to Bring
Flip lenders care about three things: the math of the deal, your experience, and your skin in the game.
You'll need a clear scope of work, a realistic contractor budget, and enough liquidity to cover the down payment and initial holding costs.
The Exit Strategy
Are you selling, or are you keeping it as a rental? If you decide to hold, we can transition your short-term flip loan into a long-term DSCR loan once the property is stabilized.
Why Peoples Choice Mortgage for Investors?
Most lenders don't understand real estate investors. They try to fit complex portfolios into basic retail boxes.
We speak your language. We understand ARV, DSCR, cap rates, seasoning, and entity structuring. We look at the property's cash flow potential, not just your personal W-2 income.
Whether it's your first rental or your fiftieth, we build the capital strategy that lets you keep scaling.
Don't Lose the Deal to a Cash Buyer.
Get your financing lined up before you make the offer.