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(813) 303-0808

Fix and Flip Loans Memphis

Rehab Bridge Loan to Flip Houses

Purchase, rehab and flip houses using hard money without ordering appraisals. Secure up to 90% funding for house flipping projects in Memphis.

  • No appraisal
  • No experience required
  • Pre-approval within 24 hours

Close in 5-7 days and get up to 90% financing.

Memphis Fix and Flip Loan Requirements

Here’s how to qualify for fix and flip financing in Memphis:

Eligible Property Types

1-4 unit residential properties, including single-family homes, townhomes, condos, duplexes, triplexes, and quadplexes.

Minimum Loan Amount

$100,000+

Previous Experience

No previous experience is required unless changing the number of bedrooms, expanding square footage, or needing more than $75,000 for rehab costs.

Max 70% ARV

The total project cost including the purchase price and rehab costs should not exceed 70% ARV.

Required Documentation

Documents required to qualify for a house flipping loan.

Minimum Down Payment

Minimum 10% down payment.

Minimum Credit Score

680+

Fix and Flip Loan Terms

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

Minimum credit score 680+
Minimum loan amount $100,000+
Purchase financing Up to 90% LTC
Rehab financing Up to 100%
After-repair value Up to 70% ARV
Interest rates Starting at 8.5%
Loan terms 6 or 12 months

See How Much You Qualify For

  • Secure up to 90% financing
  • Get loan approval within 24 hours
  • Close as fast as 5 days
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FAQs About Fix and Flip Loans in Memphis

Do you work with new investors?

Yes, first-time investors can qualify for up to 85% financing.

What are the requirements for a 90% LTC fix and flip loan?

Investors with at least 5 completed flips in the last 3 years qualify for up to 90% LTC.

Is there a minimum loan amount?

The minimum loan amount is $100,000.

Is there a minimum credit score?

The minimum credit score is 680+

How fast can you close?

If title work is completed, you can close in as fast as 3 days, otherwise 5-7 days.

Is it hard to get a loan to flip a house in Memphis?

No, as long as your purchase price and rehab costs do not exceed 70% ARV.

Is there a prepayment penalty?

There are no prepayment penalties.

Can I extend my bridge loan?

Yes, you can extend or potentially refinance with another bridge loan.

See How Much You Qualify For

Get Started

Flipping Houses in Memphis

As of March 15, 2025, the average home value in Memphis, TN, is $144,131, reflecting a 3.1% increase over the past year. Making it an accessible market for investors looking to maximize returns on lower-cost acquisitions in Tennessee. Also, homes typically go under contract within approximately 34 days.

The median sale price has been hovering around $138,258, while the median list price stands at $197,967. Meaning that fix and flip investors have a lot of bargaining power on lower priced real estate. Implying, that there’s a great opportunity to fix and rent in Tennessee, rather than selling. However, 15.2% of sales have been above the list price, whereas 64.0% have been below.

​Investing in Memphis’s real estate market can be promising in neighborhoods like Germantown, Collierville, Midtown, Cooper-Young, East Memphis, Cordova, South Main Arts District, Binghampton, Bartlett, and South Bluffs. These areas offer a mix of strong property value appreciation and higher demand potential. Memphis’s population saw a 2.3% year-over-year in 2024, boosted primarily by expanding logistics and medical sectors. Creating constant housing demand for renovated properties. Some renovation hotspots like Uptown have recorded an 18% appreciation in after-repair value.

Pre-approval in just 24 hours without impacting your credit!

Get Pre-Approval Today

Ready to get funding for your fix and flip project in Memphis? Complete the form to receive a loan quote within 1-2 hours.

  • No appraisal required
  • Secure up to 90% financing
  • Close as fast as 5 days

Secure the financing you need, whether you’re a seasoned investor or just starting out. The right financial partner can make all the difference.

Request a Loan Quote

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Capital Ton LLC Logo

Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.