Fix & Flip Financing
100%
Purchase + rehab financing
70%
Max ARV target
48 hrs
Possible close once docs are complete
Fast capital for acquisition, renovation, and time-sensitive execution.
Short-term capital for investors buying, renovating, and exiting property on a tight timeline. AVL Homes underwrites to the asset, the scope, and the exit so strong deals can move without unnecessary friction.
Built for investors who need a sharp read on leverage, timeline, and execution before momentum fades.
Acquisition
Buy the deal fast
Execution
Scope, budget, draw rhythm
Exit
Underwrite to resale clarity
Program Fit
Built for active deals
LLC or corporation only
Fast capital for acquisition, renovation, and time-sensitive execution.
Short-term capital for investors buying, renovating, and exiting property on a tight timeline. AVL Homes underwrites to the asset, the scope, and the exit so strong deals can move without unnecessary friction.
Designed for flips, off-market purchases, auction buys, and other acquisitions where speed and execution matter.
Loans must be made to an LLC or corporation. Personal borrowing is not permitted.
Live Lending Snapshot
Recent lending activity at a glance.
Borrowers can see current AVL volume, deal flow, and performance before applying.
Track record numbers refresh from Podio so borrowers see current lending activity instead of stale brochure stats.
Live historical lending volume supports the proof section on these pages.
Current leverage profile reinforces how AVL underwrites real borrower opportunities.
Apply Now
Fix & Flip Loan Form
Share the borrower, property, and deal details below.
Direct intake
Submit one clean deal package.
The clearer the file, the faster AVL Homes can review structure, timing, and fit.
Start in the right lane
Each page routes into the matching intake so the review starts with the correct product context.
Submit real deal information
Property details, borrower information, and supporting documents move together instead of being chased down later.
Move into direct review
Once the file is complete, AVL Homes can evaluate structure, leverage, and readiness without retail-loan drag.
100% financing available
Purchase and rehab can be financed together for qualified projects.
Up to 70% ARV
Up to 70% of after-repair value, or 65% in some judicial states.
6, 9, or 12 month terms
Short-term structures designed for renovation timelines and fast exits.
Program Overview
Fix & Flip Financing
Loans are structured around clear use cases, disciplined execution, and direct underwriting access.
Built for active deals
Designed for flips, off-market purchases, auction buys, and other acquisitions where speed and execution matter.
LLC or corporation only
Loans must be made to an LLC or corporation. Personal borrowing is not permitted.
Asset-based review
Review centers on the property, the scope, and the exit plan rather than consumer-style income hoops.
Program Highlights
Quick facts borrowers can evaluate quickly.
100% financing available
Purchase and rehab can be financed together for qualified projects.
Up to 70% ARV
Up to 70% of after-repair value, or 65% in some judicial states.
6, 9, or 12 month terms
Short-term structures designed for renovation timelines and fast exits.
Fast closings
Once the file is complete, the deal can move quickly into closing.
States We Lend In
Geographic coverage aligned with the product.
Fix & Flip / Ground Up
Massachusetts, Ohio, Colorado, North Carolina, Virginia, Delaware, New Jersey, Pennsylvania, Tennessee, Texas, Oklahoma, Alabama, Missouri, and Mississippi. Expanding daily.
Borrower Requirements
Baseline fit and deal readiness matter.
Entity borrower
Loans must be made to an LLC or corporation.
Proof of funds
Borrowers need to show ability to close and carry the loan.
Soft credit review
First-time borrowers typically need a soft credit check with roughly 640+ recommended.
New investors welcome
Experience helps, but the quality of the deal, scope, and exit plan carries the most weight.
Why AVL Homes
Why investors work with AVL Homes.
Speed, underwriting clarity, and real-world operating experience shape the lending experience.
Speed
Close in as little as 48 hours once documents are complete, with 48 to 72 hour draw turnaround.
Investor-focused underwriting
In-house review, no appraisal dependency, and a process built around deal execution.
Operational support
Construction budget review, scope-of-work guidance, and cost expectation feedback.
Investor infrastructure
In-house servicing plus access to local contractor and vendor resources.
Experienced team
Backed by deep experience across development, acquisitions, and private lending.
FAQ
Common borrower questions.
Who qualifies for Fix & Flip financing?
Both experienced and first-time investors can qualify. The strength of the deal, renovation plan, and exit strategy matter most.
Do I need prior flipping experience?
No. New investors are accepted if the project and numbers make sense.
Do I need an appraisal?
No. AVL Homes uses in-house underwriting and deal analysis to keep the process moving.
What is the maximum loan amount?
Loans are generally capped at 70% of after-repair value, with 65% caps in some judicial states.
Can the loan cover renovations?
Yes. Financing can include the purchase price and renovation budget, subject to ARV limits.
How quickly can I close?
Closings can occur in as little as 48 hours once required documentation has been submitted and verified.
Are interest payments required monthly?
Interest payment deferment options may be available depending on the structure of the loan.
How fast are construction draws processed?
Draw requests are typically processed within 48 to 72 hours once submitted and verified.
Repeat Borrower?
Get pre-qualified once and move faster on the next deal.
Pre-qualification helps returning borrowers shorten future review and stay ready for the next opportunity.