Fix and Flip Loans
For Real Estate Investors
Fix and Flip
Is one of the most profitable strategies in real estate investment. This method involves buying a distressed or undervalued property, renovating it, and selling it at a higher price to generate profit.
Smart investors turn to our Fix and Flip loans, short-term private money loans designed to cover both the purchase and renovation costs of a real estate property.
Whether you’re a seasoned developer or a new investor, Alto Capital is your trusted partner for private money lending solutions
Why Choose
Our Fix And Flip Loans
Fast closings so you don’t miss opportunities
Expert guidance from a team that understands real estate lending and tailors financing to your projects needs
Up to 90% of the purchase price and 100% of renovation costs covered
Flexible terms with no prepayment penalties
Financing based on After Repair Value (ARV)
Available to both domestic and foreign real estate investors
Fix And Flip Loan Requirements 
Bank statements: Last 3 months.
Official ID: Passport, visa (for foreign investors).
Business documents: LLC or Corp registration, EIN, and operating agreement.
Renovation budget (if applicable).
Liquidity reserves: 6 months of cash reserves.
Non-owner occupancy certification.
Credit report & background check: SSN required.
Insurance coverage: Full replacement coverage + $500K liability, plus builder’s risk insurance (if applicable).
Minimum credit score: 680.
Signed loan application.
Purchase contract (if applicable).
Alto Capital’s Simple Fix And flip loan process
ONLINE
APPLICATION
QUICK
EVALUATION
FAST
CLOSING
DRAW
SCHEDULE
Fix and Flip FAQ
Are fix and flip loans only for experienced investors?
Not necessarily. While many borrowers are seasoned investors, first-time flippers can qualify too—especially if they have a solid business plan, contractor bids, and a well-researched exit strategy. Alto Capital evaluates the full picture, not just your history.
Can I use a fix and flip loan to renovate multiple properties at once?
Yes—portfolio fix & flip financing is possible if you have the capacity to manage multiple projects. If you’re scaling your operations, Alto Capital can help structure the capital for multiple properties under a single lending umbrella or through staged closings.
What happens if the renovation takes longer than expected?
Delays happen. With Alto Capital, you’ll work with a team that understands the nature of construction and real estate timelines. We offer flexible extensions when communicated early, and our loan terms are structured with investor realities in mind.
Do fix and flip loans include renovation draws? How does that process work?
Yes. Renovation funds are disbursed in draws based on completed milestones. You submit documentation (photos, invoices, inspections), and funds are released after verification. Our draw process is fast and transparent—keeping your project moving forward without delays.
How do I estimate the After Repair Value (ARV) for a fix and flip?
After Repair Value (ARV) is typically calculated using comparable property sales (comps) in your area. It’s important to be realistic—overestimating can impact your loan approval. We recommend working with a knowledgeable local agent or appraiser to build a data-backed estimate.
What’s the most common mistake to avoid with fix and flip projects?
Underestimating renovation costs and timelines. It’s crucial to build a realistic budget with a cushion for unexpected expenses. Partnering with experienced contractors and lenders like Alto Capital helps you stay on track and avoid profit margin erosion.
Apply Now
Get the financial backing your real estate investment needs.
