If you're a real estate investor looking to turn distressed properties into profitable rentals, fix and rent loans offer the speed and flexibility you need. These short-term financing options are built specifically for investors aiming to purchase, renovate, and rent out properties while building long-term rental income.

Whether you’re focused on the BRRRR strategy (Buy, Rehab, Rent, Refinance, and Repeat) or shifting from a flip to a rental hold, this loan structure gives you access to capital for both acquisition and rehab — and a smooth transition toward your exit strategy.

Fix and rent loans, sometimes referred to as fix to rent loans or a rent loan program, are asset-based financing solutions designed for investors who want to purchase undervalued properties, complete repairs, and generate income through rent. These loans typically cover both the purchase price and rehab costs, allowing you to secure the deal, make improvements, and hold the property as a rental.

For many investors, this type of loan is the ideal bridge between acquisition and long-term rental ownership. It’s often used by BRRRR investors who aim to buy, rehab, rent, refinance, and repeat — all while maintaining control over their capital and project timelines.

These loans are designed for a wide range of investors, including:

Fix and rent loans can be used for single-unit rental properties, vacation rentals, or commercial properties with rental potential.

This loan structure offers several distinct advantages for investors focused on speed, flexibility, and long-term value:

With fewer restrictions than traditional financing, these loans are ideal for investors who understand how to fix, rent, and optimize their returns.

Our process work is designed to help you move quickly and efficiently through each stage of your project:

Share key details about the property, including the purchase price, projected rehab costs, expected repair value, and your rental or exit plan.

We evaluate the deal based on its value and potential. Because we’re a hard money lender, we can approve loans in as little as 24–48 hours.

We issue an initial advance at closing, giving you fast access to capital to purchase the property and begin improvements.

As you complete repairs, request draws based on your approved rehab budget. Funds are disbursed promptly so your project stays on track.

Once the property is stabilized and generating rental income, refinance into a long-term solution or continue collecting rent while growing your portfolio.

We focus on helping investors fund real opportunities and complete quality rehab projects that generate ongoing income.

Fix and rent loans work for a variety of property types and investment approaches, including:

If the deal has upside, the repairs add value, and the rent will generate positive cash flow, this financing structure can help you take control and move fast.

While fix-and-flip loans are designed to help investors renovate and sell properties quickly, fix-and-rent loans are built for those who want to hold and collect rental income. Many flip investors start with one strategy and shift to another depending on market trends, available capital, or the opportunity within a specific property.

Having access to both types of financing gives you more control. If a flip deal turns out to have strong rental potential, a fix to rent loan lets you pivot without having to start the financing process over. Likewise, if your long-term plan includes cash flow and property appreciation, renting makes more sense than selling.

The BRRRR strategy has become one of the most popular approaches for building long-term wealth in real estate. Fix and rent loans support every stage of that process by providing capital at the beginning and the flexibility to refinance at the end.

You buy the property using a hard money fix and rent loan, complete your repairs, rent the unit, and then refinance once the property is stabilized. This allows you to pull cash out, pay off the original loan, and repeat the process — all while increasing your rental income and property value.

We’re a direct hard money lender that understands what investors need: speed, clarity, and the ability to fund strong deals. When traditional financing isn’t an option or simply takes too long, we’re here to help you fund, fix, and rent.

Our process is simple. Our decisions are fast. And our goal is to help you succeed.

If you’ve found a deal with potential, a clear path to added value, and a rental plan that works, we’re ready to help you move forward. Submit your deal today and get pre-qualified for a fix and rent loan built for your investment goals.

Whether you’re growing your rental portfolio, implementing the BRRRR strategy, or shifting from flipping to renting, our lending team will help you access the capital and support you need — quickly and reliably.