Fix & Flip Loans

Fast Capital. Flexible Terms. Fully Funded Projects.

Whether you’re flipping your first property or scaling your portfolio, UPNEXT Capital offers a variety of Fix & Flip loan programs to help you fund 100% of the project – from purchase to rehab. Nationwide availability with no appraisal, deferred payments, and low documentation options.

|| UPNEXT Capital ||

Fix and Flip Loan

At UPNEXT Capital, we understand that every investor's journey is different. Whether you're flipping your first home or managing multiple rehab projects at once, our Fix and Flip loan programs are built to support your goals, mitigate risk, and maximize return. Explore our offerings based on your experience level:

Key Highlights

|| First-Time Investors / No Prior Experience ||

Program: Beginner Flip Program

You're just getting started — and we're here to help you get funded with confidence. This program is designed for first-time flippers or those with limited real estate investing history.

Key Highlights

Minimum Credit Score: 620+

Up to 85% Loan-to-Cost (LTC)

No experience required

Financing for purchase + rehab

Interest-only payments during the rehab term

Available in most major markets

Who it's for

W-2 borrowers transitioning to investing

Aspiring full-time investors

Licensed agents flipping their own properties

Entrepreneurs entering real estate for the first time

What You'll Need

Down payment (minimum 15% of total project cost)

Verified income or reserves

Solid exit strategy (sale or refinance)

|| Intermediate Investors (1–2 Completed Deals) ||

Program: Standard Flip Program

You've done a few projects and know the basics. This tier rewards experience with higher leverage and broader property eligibility.

Key Highlights

Minimum Credit Score: 660+

Up to 90% LTC / 75% ARV

Up to 100% rehab financing

Flexible property types (SFR, condo, 2-4 units)

Purchase or rate/term refinance

Fast closings, typically 7–10 days

Who it's for

Investors scaling from part-time to full-time

Agents or developers with light flip experience

Repeat borrowers or partners with recent deal history

What You'll Need

At least 1–2 recent completed flip projects (within 36 months)

Proof of funds for closing

Contractor bid or scope of work

|| Experienced Investors (3+ Completed Deals) ||

Program: Pro Flipper Program

For seasoned investors who treat flipping as a business, we offer aggressive leverage, streamlined underwriting, and elite pricing to scale quickly and repeatedly.

Key Highlights

Minimum Credit Score: 700+

Up to 90% LTC / 75% ARV

Low rates and discounted fees

Portfolio loans and multi-property funding available

Renovation draws funded quickly

Approval based on track record and project performance

Who it's for

High-volume flippers and teams

Institutional-grade investors and real estate funds

Borrowers seeking repeat deals with reduced documentation

What You'll Need

3+ completed flips in the last 24 months

Business entity (LLC or Corp)

Detailed scope and financial projections

Why Choose UPNEXT Capital?

Common-sense underwriting: We prioritize deal quality and investor strategy.

Fast draw process: Get rehab funds released within 48 hours.

Scalable terms: Finance one flip — or ten at once.

Nationwide coverage: Loans available in 40+ states (including investor-friendly markets).

Tools & support: Access our ROI calculator, BRRRR planner, and deal analyzer.

Program Snapshot

Sample Program Requirements

100% Fix & Flip | No Appraisal | 7-Day Close

Credit: 680+ Hard Pull

Experience: 5+ fix & flips in 3 years

Liquidity: 10%–15% of loan amount

Closing: In escrow with your title company

Payments: 1%/month, interest-only, non-dutch

No W2s or tax returns

90% Purchase | 100% Rehab | No FICO

States: AZ, CO, GA, NC, TX

Appraisal: No (desktop only)

Down Payment: 10%–15%

Experience: None required

Close: 2–5 business days

No FICO. No Appraisal. No Problem.

Fast closings, flexible credit, and no-income-doc programs available.

Ready to Flip Your Next Property?

Whether you’re a first-time flipper or seasoned pro, we make it easy. Get the funding you need to flip with speed and confidence — across most states.