Fix & flip · Bridge · Rehab

Fix and flip and bridge loan quotes, with the exit already planned.

Send Irving the deal and get back a real structure: purchase plus rehab, the leverage you qualify for, the cash you need in, and the DSCR take out waiting on the other side if you decide to hold. Programs with no minimum credit score. Closings measured in days, not weeks.

Up to 90% of purchase plus 100% of rehab on strong deals
Bridge money to buy before you sell or while you stabilize
No minimum credit score programs for experienced flippers
DSCR take out with no seasoning when you keep it as a rental

Get my quote Talk it through first

90%Of purchase, strong deals

100%Of rehab budget

70%Of ARV cap

24 hrQuote turnaround

What Irving needs for a quote

Four things. That's it.

The address and whether it's under contract
Purchase price and rehab budget, even rough
ARV with comps, or the listing you're basing it on
Your exit: sell, or refinance into a DSCR and hold

Text it, email it, or use the form below. Irving replies the same business day.

Text the deal Email the deal

Deal estimator and quote request

Does the deal pencil?

Enter the numbers and see the structure. Then send it to Irving for a real quote.

Fix & flip / bridge estimate

Up to 90% of purchase + 100% of rehab

Property address or city, state

Purchase price

Rehab budget

After repair value (ARV)

The ARV has to make sense. Bring comps.

Months to exit

Est. rate

Completed flips, last 3 years

Exit plan

Status

Estimated loan amount$0

…

Your cash in (down + points)$0

Estimated net profit$0

Return on cash0%

All in basis0% of ARV

Financing, holding & selling costs$0

Loan limited by…

Name

Mobile

Assumes 2 points, 7% selling costs and 0.5% of ARV per month in holding costs. Leverage depends on experience, credit, liquidity and the property. Illustrative only, not a commitment to lend.

How it works

From contract to funded in days.

DAY 0

Send the deal

Address, price, rehab, ARV and your exit. Irving structures it the same day and tells you the leverage, the cash in and what the lender will want to see.

DAYS 1 TO 3

Term sheet and docs

Entity docs, ID, proof of funds for the cash in, scope of work and your track record. Appraisal or valuation ordered.

DAYS 4 TO 10

Fund and start swinging

Title clears, docs sign, purchase funds. Rehab money is released in draws as the work is completed and inspected.

THE EXIT

Sell, or refinance and hold

If you keep it, Irving refinances you into a 30 year DSCR loan on the new appraised value, with no seasoning when structured with a prepay. See how the flip to DSCR exit works.

Fix & flip FAQ

Straight answers.

What flippers ask on the first call.

What leverage can I get?

On strong deals with experience, up to 90% of the purchase price plus 100% of the rehab, capped at about 70% of the after repair value. First flips and thin deals get less. The ARV has to be supported by comps.

Is there a minimum credit score?

There are programs with no minimum credit score. Pricing and leverage are better with stronger credit, but a low score on its own doesn't kill a deal when the property and the exit make sense.

Do I need experience?

No. First time flippers are financeable, usually at lower leverage and with a contractor who has a track record. Experience counts as completed flips or rentals held in the last three years.

How fast can it close?

Fast enough to compete with cash on most deals. Days, not weeks, once the valuation and title are back. Send the deal the minute you're in contract.

How does rehab money get paid out?

In draws. You complete a phase, an inspector confirms it, the lender releases the money for that phase. Plan your contractor's schedule around it.

What happens if I decide to keep it?

That's the best part. Irving refinances you out of the short term loan into a 30 year DSCR loan on the new appraised value. Done right, your cash comes back out and the property cash flows. That's the BRRRR play, and it's the most common file on this desk.

Which states?

Fix and flip and bridge quotes are available in most states. Tell Irving the market and he'll confirm in a minute.

Just funded

Real deals, closed.

No stock photos, no made up numbers. These are files Irving structured and closed. Client names left out on purpose.

DSCR purchase · Harbor City, CAFunded Sept 2026

$659,000 duplex, 8.7% down, no prepayment penalty.

A licensed contractor buying a two unit property to renovate and add square footage. Structured as an interest only DSCR purchase with no prepayment penalty, so he can sell or refinance the second the work is done. No seasoning required on the refi afterward.

8.7%Down payment

$0Prepayment penalty

0 moSeasoning to refi

$1.1MProjected ARV

Figures from a closed transaction. Terms depend on credit, property, reserves and program guidelines at the time of application. Not an offer of credit.

Your deal next

Send the address and the goal. Irving structures it the same day.

Purchase, cash out, take out or flip. Text the property and what you're trying to do, and you'll get back a structure with the LTV, the reserves and the exit, not a rate sheet.

Text Irving the deal Book a call

Or email irving.arreola@homemac.com with the address, purchase price or balance, and the rent.

In contract and the clock is running?

Text Irving the address right now. He'll tell you today whether it works.

Text the deal Book a call