Loan program · Fix & Flip
Fix & Flip loans built for the speed of the deal.
Rates as of October 2026. Subject to change — call for today's pricing. A Curlee Capital fix and flip loan is short-term, interest-only financing for buying and renovating an investment property, with rates from 7.5% to 10.95%. We fund up to 90% of the purchase price and 100% of the renovation budget, capped at 75% of ARV for 5+ deals completed in the last 24 months; 70% otherwise. Tiers are indicative; final leverage is set by underwriting. 3% origination fee. 100% of rehab costs — no dollar cap, subject to overall loan limits. No appraisal required on fix & flip: property photos and a construction budget instead. Qualifying is asset-based: a 660 minimum FICO, a $100,000 minimum property value, and no tax returns or income verification.
Rates as of October 2026. Subject to change — call for today's pricing.
Up to 90% of purchase and 100% of rehab, capped at 75% of ARV for 5+ deals completed in the last 24 months; 70% otherwise. The indicative tier is based on experience only, not credit. Final leverage is set by underwriting. 3% origination fee. 100% of rehab costs — no dollar cap. No appraisal required on fix & flip: property photos and a construction budget instead. No income verification, no tax returns, no hard credit pull.
Terms at a glance
| 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.
Rates and terms subject to underwriting and change without notice.
How it works
- 1
Apply in 5 minutes
Seven questions online. Soft pull only, no tax returns.
- 2
Terms in hours
A real underwriter reviews your file and calls you the same day.
- 3
Value & docs
Fix & flip needs property photos and a construction budget, not an appraisal. Other programs follow their own valuation requirements. We coordinate title and the short doc list.
- 4
Fund in days
Wire out, draws reimbursed in 24–48 hours through the project.
Questions investors ask
Ready to price this deal?
Seven questions, about two minutes, soft credit pull only.
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Other programs
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.