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Fix and Flip Loans for Investors

Beyond the Flip! For Investors with a long term wealth building plan.

YLH Funding | Investor Financing

Fix & Flip Loan Parameters

Flexible financing for residential investment properties, from acquisition and renovation through resale or long-term ownership.

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Loan Structure

Starting Rate

8.99%
Minimum 2 points origination

Loan Term

12 Months
(6-month extension, case by case)

Loan Amount

$100K – $15M

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Property Eligibility

Property Types

Single-Family, 2–4 Units, and Townhomes

Occupancy

Non-Owner Occupied Only

Loan Purpose

Business Purpose
Full recourse available

Interest Reserves

6 months + 10% of rehab budget

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Qualification

Experience

No prior Fix & Flip experience required

Borrower Type

Entity Required (LLC or Corp)

Loan to Cost

Up to 90% LTC
100% on a case-by-case basis

Rehab & ARV

100% of rehab budget
Loan not to exceed 70% of ARV

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Fix & Hold Strategy

The Long-Term Play

Renovate, refinance, recover invested capital, and retain the property.

Build Your Portfolio

Turn a successful renovation into a long-term rental investment.

Capital Gains Consideration

Retaining the property instead of selling may defer a taxable capital-gains event.

YLH Funding Advantage

Potentially qualify for a special fee discount when transitioning into a long-term loan with YLH Funding.

Beyond the Flip

Don't Just Renovate to Sell. Renovate to Build Wealth.

Selling a renovated property can generate a profit, but it also means giving up the asset and potentially triggering capital-gains taxes. Another path is to refinance, recover your original invested capital, and keep the property working for you.

That's the thinking behind the YLH Funding Fix & Hold strategy: turn renovation projects into long-term real estate investments.

01 / ACQUIRE

Purchase

Secure an investment property with renovation potential.

02 / IMPROVE

Renovate

Improve the property and increase its market value.

03 / REFINANCE

Recover Capital

Refinance into a qualifying long-term rental loan and potentially recapture invested cash.

04 / RETAIN

Build Equity

Retain the property, generate rental income, and pursue long-term appreciation.

The YLH Funding Fix & Hold Advantage: Borrowers who transition from a qualifying Fix & Flip loan into a long-term financing program with YLH Funding may qualify for a special discount on their refinancing fees. Ask us about the program when structuring your initial loan.

Tax treatment depends on individual circumstances. Refinancing does not itself eliminate capital-gains tax obligations. Consult your tax professional regarding the implications of retaining or selling an investment property.

¹ Appraisal and credit report may be required at lender's discretion, based on overall risk; only available in select markets.
² Extension offered at 1% (available at lender's discretion).
³ Must be an LLC, LP or corporation.
⁴ Must be an individual guarantor.

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