Funding your first flip: LTC, ARV, and draws

Fix & Flip

Fix-and-flip lending is built around the deal, not your W-2. Three numbers drive it:

LTC — Loan to Cost

The percentage of total cost (purchase + rehab) financed. Up to ~90% LTC is common for experienced investors.

ARV — After-Repaired Value

What the property will be worth once work is done. Loans are capped at a percentage of ARV (often ~70–75%) to keep the deal safe.

Draws — how rehab money is released

Rehab funds are released in draws as work is completed and inspected. Fast draw turnaround is where deals stall with the wrong lender.

Speed wins flips. We move fast, shop 109+ lenders to structure your deal, and turn draws around quickly.

Model a deal with our fix & flip calculator, then get a term sheet.

Educational content only — not financial advice or a commitment to lend. Programs, rates, and guidelines vary and change; talk to a Stateside expert about your specific situation. NMLS #2567704.

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