Fix & Flip Loans and Bridge Financing
Fix & Flip Loans and Bridge Financing
for Real Estate Investors
Fix and flip loans are short-term bridge financing solutions designed for real estate investors acquiring, renovating, and repositioning investment properties. Unlike traditional mortgages, these loans focus primarily on the value of the asset and projected after-repair value (ARV), rather than personal employment income.
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Bridge loans for real estate investors provide temporary capital that allows investors to move quickly on acquisitions, complete renovations, and execute exit strategies such as resale or refinancing.
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Grafton Funding provides nationwide fix and flip loan programs and bridge financing solutions structured specifically for investment real estate projects. Our team has structured financing for investors across a wide range of residential and small commercial projects.
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If your long-term plan involves holding rental properties, explore our DSCR rental property loan programs designed for cash-flow-based qualification.
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Learn more about our nationwide fix and flip loans designed specifically for real estate investors.
FIX & FLIP LOANS
Loans for investors who are purchasing distressed properties, rehabbing, and selling.
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Up to 90% of purchase price and 100% of rehab costs
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Loans from $50K to $5MM
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6 to 24-month term options
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Interest-only loans
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No prepayment penalty
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1-4 unit residential properties
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No appraisals needed in most states
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Can close in 3 to 5 days in most states
BRIDGE LOANS
Interim financing for investment properties where a fast closing is needed and no rehab funds are required.
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Up to 90% LTV for purchases and 85% for refinances
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Loans from $50K to $5MM
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6 to 24-month term options
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Interest-only loans
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No prepayment penalty
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1-4 unit residential properties
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No appraisals needed in most states
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Can close in 3 to 5 days in most states
FIX TO RENT LOANS
Loans for investors following the BRRRR strategy – Buy, Rehab, Rent, Refinance, Repeat.
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Single property and portfolio loan options
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Fast, simple closings on both the purchase and refinance loans
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6 to 24-month term options for the purchase and rehab loan
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30 to 40-year term options for the refinance loan
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Non-recourse available
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No income verification requirements
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0-month seasoning options for the refinance loan
How Bridge Loans Work for Real Estate Investors
Bridge financing is commonly used when investors need short-term capital before a property is stabilized or ready for long-term refinancing.
Investors use bridge loans for:
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Acquiring distressed properties
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Renovating value-add assets
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Executing fix & flip strategies
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Completing short-term holds
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Transitioning into long-term rental financing
Many investors refinance completed projects into long-term short-term rental loans or DSCR rental loans after stabilization.
Who Our Fix & Flip Loans Are Designed For
Our bridge financing programs are structured for:
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Experienced fix and flip operators
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First-time real estate investors
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BRRRR strategy investors
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Portfolio landlords
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Real estate investment groups
We underwrite based on project viability, property value, and investor strategy — not traditional W-2 documentation.
Fix & Flip Loan Availability by State
Nationwide Fix & Flip and Bridge Financing for Real Estate Investors
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Grafton Funding provides Fix & Flip and Bridge loans across most U.S. states for non-owner occupied residential investment properties.
Our programs are structured for investors seeking short-term financing
based on property value rather than personal income.
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We are currently extremely active in the following rapidly-growing markets:​
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For availability in additional states, contact our team to confirm program eligibility.
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Bottom Line:
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Whether you are acquiring a new value-add property or refinancing an existing investment, our Fix & Flip and Bridge loan programs are available nationwide in most major investor markets.
FAQs
What is a fix and flip loan?
A fix and flip loan is a short-term bridge loan used to acquire and renovate investment properties for resale or refinance.
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What is the typical loan term for bridge financing?
Most bridge loans range from 6 to 24 months depending on project scope and exit strategy.
Do you fund renovation costs?
Yes, many programs include structured renovation draws based on project plans and timelines.
Is this considered a hard money loan?
While similar in structure, our fix and flip loans often provide more flexible and competitive terms than traditional hard money lenders.
Do you lend nationwide?
Yes, we provide fix and flip and bridge financing across most U.S. states.