100% Fix and Flip Loans
Next-100 offers experienced fix and flip investors the ability to maximize their leverage with our new 100% Fix and Flip Loan. For investors with 3+ verifiable flips in the last 5 years and 650+ credit, we offer 100% purchase funds + 100% rehab funds + 100% closing costs & fees (origination, points, doc/legal fee, etc.) + monthly interest payments are deferred until you sell/flip the property. Basically, that’s zero out of pocket from start to finish – everything is financed. Now ask yourself….how many flips can I do over the next 12 months? Don’t set a limit on your potential.
(Updated on 03/02/2026)
100% Fix and Flip Loans
Guidelines / Minimum Requirements
- Up To 100% of Purchase Price (Purchase price listed on the purchase contract.)
- Up To 100% of Rehab Costs (Rehab budget for your project.)
- Deferred Monthly Interest Payments (It’s like running a tab for your monthly interest payments. When you sell/flip your property, you pay your “interest tab”. Example: if the project’s monthly payment is $2,000 and you were able to rehab & sell the property in 6 months, your “interest tab” would be $12,000. If the loan balance was $300,000, it would now be $312,000. You simply settle up the balance of your loan balance + accrued interest when you exit the loan.)
- 70-75% ARV – Max Loan Amount (Percentage depends on credit score & experience)
- 100% LTC
- 12 Month Term / No Prepay Penalty
- 9.99% – 10.99% Interest-Only Payments (Interest rate depends on applicant’s credit score)
- 650+ Credit Score Required (An individual listed on the entity’s Operating Agreement must have a 650+ credit score. If nobody on your OA meets this requirement, ask us how fix this issue.)
- 3+ Verifiable Flips in the Last 60 Months (We have other fix & flip programs for those with little to no experience and lower credit scores. Everybody has to start somewhere – there’s no shame in that. If nobody listed on your OA has 3+ verifiable flips, we may be able to help.)
- $100K Minimum Loan Amount
- 3 Months of Reserves – Just need to show 3 months of monthly interest payments as reserves via bank account, brokerage account, money-market account, etc.)
- No Prepay Penalty
- No Hurdles or Surprises – a very user-friendly and streamlined process
- No Income Verification or Sourcing of Assets
- Fast Approvals & Closings (2 weeks on average)
- What if I don’t qualify for Next-Financing’s 100% Fix and Flip Loans? We will always try for the best/highest leverage amount, but if you don’t qualify for 100%, that doesn’t mean you won’t qualify for 80-90% LTV + 100% Rehab. Those are great approval numbers too! We will always do everything possible to limit or eliminate any out of pocket money. We want the same thing you do….little to no out of pocket money, to create the highest ARV possible, that generates a maximum net profit. Then use the same formula to do it over and over again.
Get Pre-Approved for a 100% Fix and Flip Loan Today!
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Fast Financing For a Fast-Paced Market:
At Next-Financing, you get flexibility and speed, not red tape and committees. Bottom line: If your strategy is sound and your property has potential, we’ll find a way to make your loan work—without the drama and without the run around. Let’s work together & fund some deals!
Do You Need Proof of Funds while Property Shopping?
We’ve got you covered – It’s Fast, Easy, and We Want You to be Prepared.
For investors that want to start putting offers on properties immediately, we can provide you with a preapproval term sheet for your review and a preapproval letter/proof of funds letter to attach to all of your offers. You can go in guns blazing and everyone will take your offers seriously. Just let us know and we’ll be happy to give you whatever is needed to lock up your targeted property. It’s all about communnication….if you let us know what you need, we’ll make sure you have it. It doesn’t matter if you need it on a Monday morning or late Sunday afternoon, you’ll have the tools needed to lock up that property. We’re available 24/7 for our clients.
100% Fix and Flip Loans
FAQ’s
Q: What type of properties are eligible for 100% Fix and Flip Loans?
A: The following property types are eligible for 100% Fix and Flip Loans from Next-Financing:
- Single Family Residence (SFR)
- 2-4 Unit Properties
- Condominiums
- Townhouses
Q: What type of Fix & Flip loan rates/terms are offered by Next-Financing?
A: Next-Financing offers Fix & Flip Loan rates between 19.99% – 10.99% over 12 months. Rate & Term is based on the loan program, credit score, experience, property type and location. Contact us to learn more at: Sales@Next-Financing.com
Q: What are the minimum and maximum loan amounts for 100% Fix and Flip Loans?
A: 100% Fix and Flip Loans have a minimum loan amount of $100,000 and a maximum loan amount up to $1.2 million. If your loan amount would exceed $1.2 million, all is not lost. We have other solutions to provide 100% financing for your project.
Q: Do you lend on construction or repairs?
A: Yes, Next-Financing specializes in providing Fix and Flip Loans that include both the purchase and 100% of the rehab costs as part of the total loan amount. We also have mid construction loans for projects that have been delayed or went over budget.
Q: What states are eligible for 100% Fix and Flip Loans?
A: Next-Financing provides 100% fix and flip loans in all states, except for Alaska, North & South Dakotas, and Vermont. This does not include rural locations. We can provide bridge loans or purchase loans in all 50 states & rural locations, but those bridge loans wouldn’t include rehab funds. However, we have a way to combine loan products (bridge loan + rehab loan), which would total up to 100%.
Q: What is the minimum credit score for 100% Fix and Flip Loans?
A: 650+ Credit Score. 100% Fix and Flip Loans require a 650+ minimum credit score.
Q: What factors are considered for approval?
A: We look at things differently than a bank and rely mostly on your real estate experience, credit score, location, property type and other common sense factors when making decisions. We don’t require a minimum income or even have income verification.
Q: Do you lend to a business entity or individuals?
A: 100% Fix and Flip Loans are required to close in an entity. We do have Fix & Flip Loans that can close in your individual name, but they’re capped at 90% LTV. Let’s talk about your options and map out a plan. If we’re not closing for 2+ weeks, we have time to make things happen as an entity or an individual. This is not a deal breaker.
- LLC’s
- Limited Partnerships, General Partnerships
- Corporations
- Individuals
Q: Does Next-Financing lend to non US-Citizens?
A: Yes – Foreign investors with US based credit profile for five years qualify for 100% Fix and Flip Loans.
- U.S. Citizens
- Foreign Nationals
- Permanent Resident Aliens
Q: Can I receive financing for a residence I’m looking to live in permanently?
A: We can provide owner occupied loans to purchase or refinance, but we can’t do owner-occupied fix & flip loans. The loan won’t cover additional rehab funds, but it will cover up to 85% of the purchase price. Owner Occupied loans are not available in all states.
Q: Is there a Prepayment Penalty?
A: No, there is no Prepayment Penalty attached to any of our Fix & Flip Loans. A 100% Fix and Flip Loan will have a term of 12 months with interest-only payments & no prepayment penalty. The goal is to get in and get out as fast as possible, so we encourage you to pay your loan off early….not penalize you.
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