Investment property financing
Fix & Flip Financing
Review Curlee’s purchase and renovation financing, experience-based LTARV limits, 3% origination fee and no-appraisal Fix & Flip process.
Rates as of October 2026. Subject to change — call for today's pricing.
Purchase plus renovation
Up to 90% of purchase plus 100% of rehab costs, with no separate rehab dollar cap. The total loan must stay within the borrower’s LTARV limit and the $5,000,000 loan maximum. The indicative LTARV limit is 75% for five or more deals completed in the last 24 months and 70% otherwise. Experience determines the tier, not credit; final leverage is confirmed by underwriting.
Fees, value and credit
The origination fee is 3%. There is no Fix & Flip prepayment penalty. Property photos and a construction budget are required instead of an appraisal, and Curlee never pulls hard credit or affects your credit score.
Budget the full project
Include borrower cash, rehab draws, carrying costs, sales costs and a reserve. A fundable loan does not by itself make a profitable investment. Use the Deal Analyzer and review the written Deal Brief with your advisor.
Fix & Flip: published program terms
| Term | 1–24 months |
|---|---|
| Rate | 7.5%–10.95%, interest-only |
| Loan-to-cost | Up to 90% LTC |
| Construction costs | 100% of rehab costs — no dollar cap. Subject to LTARV and the $5M maximum loan. |
| Origination fee | 3% origination fee |
| Appraisal | Not required. Property photos and a construction budget instead. |
| LTARV | Up to 75% of ARV for 5+ deals completed in the last 24 months; 70% otherwise. Credit does not determine the tier. Final leverage is set by underwriting. |
| Maximum loan | $5,000,000 |
| Minimum FICO | 660 |
| Minimum asset value | $100,000 |
| Income verification | None |
| Tax returns | Not required |
| Credit pull | Soft credit pull only. We never pull hard credit or affect your score. |
| Interest reserve at closing | None |
| Prepayment penalty | None |
Rates as of October 2026. Subject to change — call for today's pricing.
Full program details
The big platforms qualify properties. We fund investors.
Pre-approval in minutes. No hard credit pull. A real underwriter on the other end.
Pre-approval is an estimate based on the information provided and is not a commitment to lend.