A Fix & Flip loan is a short-term financing solution designed for real estate investors purchasing and renovating properties for resale.

At Foundation Specialty Finance, we fund both the purchase and rehab, allowing you to execute your value-add strategy without tying up your own capital. Once the renovation is complete, you can sell or refinance the property.

Speed is one of our biggest advantages.

We can move from application to closing in as little as 7–14 days, depending on deal complexity and documentation. Our streamlined underwriting and direct lending approach eliminates unnecessary delays so you can secure opportunities faster.

We focus on the strength of the deal, not just the borrower.

Typical requirements include:

• Property details & purchase contract
• Scope of work/rehab budget
• Exit strategy (sale or refinance)

Our process is designed to be straightforward and efficient so you can move quickly.

Not necessarily.

We work with both experienced investors and first-time operators. While experience and credit are considered, we prioritize:

• Deal viability
• Market conditions
• Execution plan

If the deal makes sense, we’ll structure financing to support it.

We offer highly competitive leverage, including:

• Up to 90% of the purchase price
• Up to 100% of rehab costs

Our goal is to help you maximize leverage while maintaining a strong, profitable deal structure.

We finance a wide range of investment properties, including:

• Single-family homes
• Multifamily properties
• Mixed-use assets
• Value-add residential projects

If there’s a clear strategy and upside, we’re open to structuring the deal.

You have flexibility depending on your strategy:

• Sell the property and realize your profit
• Refinance into a long-term rental loan (DSCR)
• Redeploy capital into your next deal

We can also help guide your transition into permanent financing if needed.

Yes.

Our programs are well-suited for Buy, Rehab, Rent, Refinance, Repeat (BRRRR) investors. We provide the initial capital to acquire and renovate, with the option to transition into long-term financing once the property is stabilized.

Yes.

We work with U.S. and foreign national investors, as well as borrowers operating in markets outside their primary residence. Our flexible underwriting allows us to support a wide range of investor profiles.

We’re built for execution.

• Direct lender (no unnecessary layers)
• Fast, reliable closings
• Flexible deal structuring
• Real partnership approach

We don’t just fund deals — we help investors scale and move faster in competitive markets.