Fix and Flip Loans
Fix and Flip Financing
Up to 90% of Purchase, 100% of Rehab
Conventus funds fix and flip loans from $100,000 to $10 million, built for investors who need certainty of close. We can close in as few as 5 to 10 days.

How Fix and Flip Financing Works
Flipping comes down to speed and capital. A Conventus fix and flip loan funds up to 90% of the purchase and 100% of rehab, with closings in as few as 5 to 10 days, so you can move on a property quickly and keep your own cash free for the next deal. Whether it is a cosmetic refresh or a full renovation, the loan is built around the property’s after-repair value and your exit.
Close in as Few as 5 to 10 Days
Move on deals before other buyers.
Up to 90% of Purchase + 100% Rehab
Competitive Rates from 7.75%
Interest-only options keep your carrying costs low.
A Dedicated Relationship Manager
One point of contact who knows your deals and your market, from application to payoff.
What Is Fix and Flip Investing?
Fix and flip investing means acquiring an undervalued property, making targeted upgrades, and selling it for more than you put in. It rewards speed and capital efficiency, which is why the right financing matters: it lets you move on a deal quickly and keep your cash free for the next one.
Conventus Fix and Flip Loan Terms and Features
- Purchase or refinance
- Single family, townhomes, condos, PUDs, ADUs, 5-29 multifamily or mixed use
- Rates as Low as 7.75%
- Loans from $100K to $10MM
- Up to 90% of Purchase Price
- Up to 100% of Rehab Costs
- 6–24 Month Terms (Interest-Only Options)
- No Income Verification
“I had the pleasure of working with Conventus on many fix and flip transactions in the last few years. The team was very communicative and the process to getting final approval was quick and seamless, sometimes as little as 5 business days to get a transaction to closing table. Ellen helped secured the best rates and the lowest cost possible. As an investor, this is important as holding cost can add up pretty quickly, and that gross profit margin dwindle away quickly. As a licensed RE agent, Ellen helped get to the closing table with ease. They always goes above and beyond to make sure the whole process is as smooth as possible and most importantly that funding is on time. Looking forward to many more closings with Ellen and Conventus.”

“Tamberyne and the whole crew at Conventus have been top notch so far! As a builder I have been working with traditional banks for the past 12 years, and let me tell you; Conventus is 1000% easier to work with! They have competitive rates, and reasonable fees making the overall cost similar to a bank but with a way smarter approval process (not simply tax return based). I hope to work with Conventus for years to come!”

“I recently worked with Austin at Conventus and couldn’t be happier with the experience. From start to finish, he was professional, incredibly responsive, and genuinely invested in finding the best deal for me. It’s rare to work with someone who makes such a stressful process feel straightforward and stress-free. I’d recommend Austin to anyone looking for a mortgage broker who truly has their client’s best interests at heart.”
“We’ve worked with Conventus as the lender on a couple of our deals, and the experience has been nothing but positive. Huge shoutout to Jake, Hugo, and Jesse—they’ve all been incredibly responsive and on top of things from start to finish. Communication was clear, updates were timely, and any questions we had were always addressed quickly. Overall, they’re easy to work with and very reliable, which makes the process so much smoother. Looking forward to partnering with Conventus again on future deals!”

“As a real estate investor, securing the best rates and working with a lender who can close on time is absolutely essential. Conventus has exceeded my expectations in both areas and has been instrumental in the success of my business. We’ve closed multiple loans together, and every experience has been smooth and efficient. The team consistently goes above and beyond. They are exceptionally responsive, reliable, and always available for questions, guidance, or recommendations. Their dedication and professionalism truly stand out. I highly recommend Conventus to any real estate investor looking for a lending partner that delivers outstanding service and dependable support. They are truly exceptional to work with.”

“I’ve used Conventus on a few loans now and have been happy on each transaction. They are fast, fund most of the capital needed and their terms are favorable. Will use them going forward.”
“I want to thank Allie, Rebecca, and Archi for their incredible support on my recent deal. Their responsiveness, and attention to detail made the entire process smooth. Each of them made sure everything was handled efficiently, and I truly appreciated their teamwork and dedication. I couldn’t have asked for a better group to work with!”
“Great company for flexible real estate lending. Real competitive rates and maybe more importantly, awesome people to work with!”

Frequently Asked Questions About Fix and Flip Loans
What is a fix and flip loan?
A fix and flip loan is short-term, asset-based financing used to purchase and renovate an investment property. It is built around the property’s after-repair value and is repaid when you sell or refinance into longer-term financing.
How does a fix and flip loan work?
Conventus funds up to 90% of the purchase at closing and up to 100% of the rehab through a draw schedule, with renovation dollars released as each stage of work is finished. You make interest-only payments during a 6 to 24 month term, then repay at the sale or refinance.
How fast can I get a fix and flip loan?
Pre-approvals come back in 24 to 48 hours, and Conventus can close in as few as 5 to 10 days, fast enough to compete with cash buyers on the right deal.
What are the requirements for a fix and flip loan?
Approval rests on the deal: the property, its projected after-repair value, your renovation plan, and your exit. Experience helps but is not required, a well-scoped first project can qualify on its own merits. Final terms are set case by case.
How much do you have to put down on a fix and flip loan?
Because Conventus finances up to 90% of the purchase and up to 100% of rehab, your out-of-pocket is limited to roughly the remaining 10% of the purchase plus closing costs. The renovation itself can be fully financed and drawn as the work progresses.
What are the rates on a fix and flip loan?
Yes. A single fix and flip loan funds the acquisition and the renovation together, so you are not stitching separate loans together.
What types of properties qualify for a fix and flip loan?
Single-family homes, townhomes, condos, PUDs, ADUs, and small multifamily or mixed-use properties.
Do fix and flip loans work for LLCs?
Yes. Conventus lends to LLCs and other investment entities, which is how most active investors hold and finance their projects.
Heter Iska Financing
Scale Your Fix & Flip Business with Confidence
- Close in 5–10 Days
- Up to 90% Purchase + 100% Rehab
- 6- to 24- Month Loan Terms
Funded Fix and Flip Loans