RTL Program
Fix and Flip Loans for Property Rehab Projects
Constructive Capital provides flexible financing solutions to your investors who may be purchasing distressed properties, doing upgrades, or even multi-unit opportunities.
FAQ
Fix & Flip — frequently asked.
What is a Fix & Flip loan?
A Fix & Flip loan is short-term financing for residential investors to acquire and rehab a property before selling or refinancing. It funds both the purchase and the renovation, with payoff at the exit.
How much rehab and leverage is available?
Up to 95% total loan-to-cost (TLTC) — up to 90% initial loan-to-cost on the purchase plus up to 100% of the rehab budget — capped at 75% of the after-repair value (ARV). Final leverage is subject to sponsor tiering and diligence.
Do you finance ground-up construction?
Yes. Experienced builders can finance new single-family and 2–4 unit construction under the same desk, with up to 90% loan-to-cost and up to 70% of completed (ARV) value.
What experience do I need?
Programs price across Silver, Gold, and Platinum borrower tiers — from newer investors up through experienced operators. Higher experience unlocks higher leverage; ground-up is reserved for experienced builders.
How fast can you close?
As fast as 10 business days on a clean file. No-appraisal options are available on qualifying scenarios to keep the timeline tight.
What's the minimum FICO?
680 is the program headline. Some tiers on the source program may go as low as a 550 floor; final FICO requirements depend on the borrower tier and scenario — confirm with your AE.
How are draws handled?
Draws are managed in-house with rapid reimbursement. Submit milestone completion through the broker portal and funds release after inspection of completed work.