A spacious kitchen under renovation, with a ladder and tools in the room

Fix & Flip Financing

Find it.Improve it.Move it forward.

Short-term, project-based financing for investors who buy a property, renovate it, and then sell it or refinance. Theresa helps you compare options against your actual deal.

Talk Through My Project (913) 705-0049

A worker renovating a modern kitchen, with tools and materials around — The project

A bright, freshly finished room with wood floors and natural light — The plan

Financing the project

Financing the project, not just the property

You found the house. The roof is tired, the kitchen is from another decade, and the numbers look good on paper. What you need now is financing that moves at the pace of a renovation project rather than a 30-year mortgage.

That's where fix & flip lending comes in, and where Theresa Rolen, The Huntress Home Loan Pro, does the legwork for you. Whether a project works out is never guaranteed, so the conversation starts with your real numbers.

What it generally is

What a fix & flip loan is built to do

A fix & flip loan is short-term financing used to buy a property, renovate it, and then sell it or refinance into something longer term. It's a different animal from the loan you'd use on a home you live in.

Built around a renovation timelineDesigned for the life of a project, not decades of ownership.

The property and the plan carry weightUnderwriting leans heavily on the purchase price, the scope of work and what the home should be worth once the work is done.

For homes that need real workA common path for investors buying homes that need more work than conventional financing allows.

Every deal is differentTerms, costs, draw schedules and qualifying details vary by lender and by deal, so nothing on this page is a quote.

The project journey

Four stages, one plan

The exit plan belongs at the start of the conversation, not the end.

i.
Find
A property with a price, a scope of work and a resale picture you believe in.
ii.
Finance
Short-term funding structured around the project, compared across options.
iii.
Renovate
The work gets done on the budget and timeline you planned for.
iv.
Exit
Sell the finished home, or refinance into longer-term financing and hold it.

Before you commit

Things investors should weigh

A flip is a project with real risk. These are worth thinking through early.

The scope of work

Renovations can uncover surprises. A realistic budget matters more than an optimistic one.

ii.

The timeline

Short-term financing is built for a set window. Delays carry a cost.

iii.

The resale picture

Lenders look at what the home should be worth after the work. Markets can change.

iv.

A backup exit

If the sale takes longer, would you refinance and hold? Know your plan B.

Simple process

How Theresa works a flip deal with you

Investors come to her for the same reason homebuyers do: plain explanations, and nobody handed off halfway through.

You tell her about the property, the scope of work, your timeline and your exit plan.
She reviews the numbers with you and talks through which financing structures fit.
She lays out what documentation a lender will want, so you're not scrambling later.
You get a clear picture of options and costs before you commit to anything.
Once you're moving, she keeps the file organized and keeps you updated.

Fix & flip questions

Frequently asked

Have a property under contract, or one you're circling? Theresa will tell you straight whether the financing lines up.

Is a fix & flip loan the same as a regular mortgage?

No. A conventional mortgage is long-term financing for a home you'll own for years. Fix & flip financing is short-term and built around a renovation project, with the property and the scope of work carrying much of the weight in underwriting.

Do I need a property picked out before I call?

Not at all. Plenty of investors reach out while they're still shopping, so they know what kind of project the financing can support. Having that conversation early tends to make you a more confident buyer.

What should I bring to the first conversation?

The property address or details if you have one, your estimated renovation budget, your projected resale value, and a sense of your timeline and exit plan. If some of it is still an estimate, that's fine. Theresa will help you tighten it up.

What if I decide to keep the property instead of selling?

Theresa handles refinancing as well as purchase financing, so if your plan shifts from flipping to holding, she can talk through what refinancing into longer-term financing would look like. See DSCR Loans for one route rental investors explore.

Does flipping a house guarantee a profit?

No. Renovation costs, timelines and the resale market can all change. Theresa can help you understand the financing side of a deal, but whether a project works out depends on the property, the work and the market.

Bring the address and the budget

Ask the Huntress

Send Theresa the details of your next project and she'll come back to you with a straight answer on how the financing could line up.

Ask the Huntress Apply Now

(913) 705-0049