A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. No W-2s or tax returns are required. The property's monthly rent must cover the mortgage payment, typically at a ratio of 1.0 or higher.

How fast can I close a DSCR loan?

AllApprovedHere typically closes DSCR rental loans in 21 days or fewer, significantly faster than conventional lenders.

What states does AllApprovedHere lend in?

AllApprovedHere / Barrett Financial Group is licensed to lend in Arizona (AZ), California (CA), Washington (WA), Nevada (NV), and Colorado (CO).

What is the minimum DSCR ratio required?

Most DSCR loan programs require a minimum DSCR ratio of 1.0, meaning the property's rental income must at least cover the monthly mortgage payment. Programs with stronger ratios (1.25+) qualify for better rates and terms.

Do you offer construction loans for ground-up development?

Yes. AllApprovedHere offers ground-up construction loans with up to 90% LTC (Loan-to-Cost), 12-24 month terms, and interest-only draw schedules for residential and commercial development projects.

Can I finance 100% of the renovation costs?

Yes. Most fix and flip programs cover 100% of the approved renovation budget, disbursed in draws as work is completed.

Do I need experience to get a fix and flip loan?

No. First-time flippers can qualify with a minimum 620 credit score and adequate reserves. Experienced flippers get better rates.

How fast can you close a fix and flip loan?

We close most fix and flip loans in 10–14 days. No appraisal required for loans under $1M in most cases.

What is the maximum loan-to-ARV?

Most programs lend up to 70–75% of the after-repair value (ARV). This ensures sufficient equity margin after renovation.

Fix & Flip Financing

Buy, Renovate,
Profit

Purchase + rehab financing in a single close. Quick funding, flexible terms, and programs for both first-time and experienced flippers.

Get Fix & Flip Financing Talk to a Specialist

90% Purchase

Loan-to-purchase

100% Rehab

Renovation financing

14 Days

Fastest close

12-18 Mo

Loan terms

Anatomy of a Flip Deal

See how the numbers work on a typical fix & flip scenario.

Purchase Price

$250,000

Distressed SFR

Rehab Budget

$75,000

Kitchen, bath, flooring

After-Repair Value (ARV)

$400,000

Appraised post-rehab

Total Loan Amount

$300,000

90% purchase + 100% rehab

Loan Term

12 Months

Interest-only

Estimated Profit

$75,000+

After all costs

ROI: ~30% in 6-9 months

Fix & Flip Program Features

Purchase + Rehab in One Loan

Single close covering acquisition and renovation costs — no need for separate financing.

Up to 100% Rehab Financing

We can finance the full renovation budget, disbursed in draws as work is completed.

First-Time Flipper Programs

Don't have experience? We have programs for first-time investors with strong credit and reserves.

Bridge to Perm Option

Refinance into a DSCR rental loan if you decide to hold the property instead of selling.

Fast Closings

Close in as fast as 14 days with our streamlined underwriting process for experienced flippers.

No Prepayment Penalty

Sell the property and pay off the loan anytime without early payoff fees.

Fix & Flip FAQ

Free Rate Quote — No Credit Pull

Have a Property in Mind?

Get pre-approved for fix & flip financing in minutes. A specialist will follow up within 1 business hour.

Up to 90% of purchase price

100% rehab financing available

Close in 10–14 days

First-time flippers welcome

Join 300+ flippers funded this year

Get Your Free Rate Quote

Explore Related Programs

Looking to hold or build? See our other investor loan programs.

DSCR Rental Loans

After the flip, hold it as a rental. Qualify on cash flow, not income. No W-2s required.

Learn more

Construction Loans

Building from the ground up? Get construction financing with flexible draw schedules. Up to 90% LTC.