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(813) 303-0808

Fix and Flip Loans

[No Appraisal]

Choose a loan option that’s right for you.

Fast Close

Close as fast as 3 days and skip the appraisal headaches.

  • No appraisal
  • Up to 85% LTC
  • Close as fast as 3 days
  • Interest rate: 10.9%
  • Min credit score: 680
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Low Interest Rate

Close in 10+ days with a lower down payment & interest rate.

  • No appraisal
  • Up to 90% LTC
  • Close as fast as 10 days
  • Interest rate: 8.5%+
  • Min credit score: 700
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Fix and Flip Loan Terms

No appraisal fix and flip loans for real estate investors to flip houses without relying on personal income.

Purchase financing Up to 90% LTC
Rehab financing Up to 100%
After-repair value Up to 75% ARV
Loan amount Min $100,000
Interest rate Start at 8.5%
Credit score Minimum 680
Terms 6, 12, 18 and 24 months

See How Much You Qualify For

    • Close as fast as 3 days
    • Secure up to 90% financing
    • Get proof of funds today
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Service Areas

  1. Alabama
  2. Arkansas
  3. Colorado
  4. Florida
  5. Georgia
  1. Illinois
  2. Indiana
  3. Iowa
  4. Kansas
  5. Kentucky
  1. Massachusetts
  2. Mississippi
  3. Missouri
  4. Nebraska
  5. New Hampshire
  1. New Mexico
  2. Ohio
  3. Oklahoma
  4. Pennsylvania
  5. Rhode Island
  1. South Carolina
  2. Tennessee
  3. Texas
  4. Washington
  5. Wisconsin

Call (813) 303-0808 to learn more about your lending options with Capital Ton LLC.

Minimum documentation for no appraisal fix and flip loans

No appraisal fix and flip loans are low-doc or no-doc loans. We do not need tax returns, W-2’s or personal income.

  • Driver’s License or State ID
  • Articles of Formation
  • LLC Operating Agreement
  • EIN Letter
  • Certificate of Status

Is flipping experience required?

No, previous experience is not required to get a loan for flipping houses. However, completed fix and flip projects do help you get do higher leverage.

Does Capital Ton LLC work with first-time investors?

Yes, first-time real estate investors can qualify for up to 90% financing for fix and flips with no experience.

Is an appraisal required for a fix and flip loan?

No, these are no appraisal fix and flip loans. You won’t have to deal with AMC’s, appraisal delays or appraisal payments.

How long does it take to close?

You can close in as little as 3 days after submitting the loan application, business entity docs, rehab budget and property photos.

Is there interest on undrawn rehab funds?

Unlike our competitors, you will not be charged interest on rehab costs until you submit a rehab draw request.

Do any of the fix and flip loans have prepayment penalties?

No appraisal fix and flip loans have no pre-payment penalties.

Speak with a Fix & Flip Loan Advisor

(813) 303-0808

Fix and Flip Loan Process

  1. Find out how much you can borrow and what your interest rate will be.
  2. Complete loan application.
  3. Underwriter runs your credit.
  4. Sign term sheet to move forward.
  5. Provide construction and rehab details
  6. Underwriter reviews scope of work.
  7. Underwriter calculates the after-repair value (ARV).
  8. Underwriter calculates the margin of safety between ARV and loan amount.
  9. Loan is approved if the numbers makes sense.
  10. Title agency and funding department work together to close the loan.

Tips for Best Loan Terms

  1. Close before the end of the month to pay less prorated interest at closing.
  2. Have a business partner? Apply with whoever has the best credit score.
  3. Provide small details in scope of work for higher after-repair value valuations
  4. Do not apply to multiple lenders. Every hard pull will lower your credit score.
Fix and flip project