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Fix and Flip Loans

Fund your next flip. Fast. 100% financing available.

High-leverage capital designed for real estate investors who move quickly and build smart.

Fix & Flip Loan Terms

Speed, simplicity, and serious leverage.

Flipping isn’t just about renovations—it’s about timing. Xoan gives you the capital you need, when you need it. With lightning-fast approvals and tailored loan structures, you can focus on the deal—not the red tape.

Rate

Starting at 9.25%

Loan Amount

75$K - $10MM

Term

12 months standard

6,18,24 months options

Rehab/construction financing

Up to 100% of rehab budget

Minimum Experience

No prior experience required

Maximum LTC (% of purchase price)

Upto 90% ARLTV
100% Financing Available

Maximum Loan - To -After repair Value (LTARV)

Up to 75%% LTARV

When do we use LTV Vs LTC ?

Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)

Recourse

Full Recourse
Non-recourse options available

Foreign Nationals

Allowed from eligible countries

Property Types

Non-Owner Occupied:

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos
Multi-Family 5+ unit
Mixed Use

Borrower Type

Entity required

Loan Purpose

Purchase + rehab loan for non-owner occupied real estate investment property

Time to close

Closing in as fast as 5 days

Rate

Starting at 9.25%

Loan Amount

75$K - $10MM

Term

12 months standard

6,18,24 months options

Rehab/construction financing

Up to 100% of rehab budget

Minimum Experience

No prior experience required

Maximum LTC (% of purchase price)

Upto 90% ARLTV
100% Financing Available

Maximum Loan - To -After repair Value (LTARV)

Up to 75%% LTARV

When do we use LTV Vs LTC ?

Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)

Recourse

Full Recourse
Non-recourse options available

Foreign Nationals

Allowed from eligible countries

Property Types

Non-Owner Occupied:

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos
Multi-Family 5+ unit
Mixed Use

Borrower Type

Entity required

Loan Purpose

Purchase + rehab loan for non-owner occupied real estate investment property

Time to close

Closing in as fast as 5 days

Rate

Starting at 9.25%

Loan Amount

75$K - $10MM

Term

12 months standard

6,18,24 months options

Rehab/construction financing

Up to 100% of rehab budget

Minimum Experience

No prior experience required

Maximum LTC (% of purchase price)

Upto 90% ARLTV
100% Financing Available

Maximum Loan - To -After repair Value (LTARV)

Up to 75%% LTARV

When do we use LTV Vs LTC ?

Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)

Recourse

Full Recourse
Non-recourse options available

Foreign Nationals

Allowed from eligible countries

Property Types

Non-Owner Occupied:

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos
Multi-Family 5+ unit
Mixed Use

Borrower Type

Entity required

Loan Purpose

Purchase + rehab loan for non-owner occupied real estate investment property

Time to close

Closing in as fast as 5 days

Rate

Starting at 9.25%

Loan Amount

75$K - $10MM

Term

12 months standard

6,18,24 months options

Rehab/construction financing

Up to 100% of rehab budget

Minimum Experience

No prior experience required

Maximum LTC (% of purchase price)

Upto 90% ARLTV
100% Financing Available

Maximum Loan - To -After repair Value (LTARV)

Up to 75%% LTARV

When do we use LTV Vs LTC ?

Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)

Recourse

Full Recourse
Non-recourse options available

Foreign Nationals

Allowed from eligible countries

Property Types

Non-Owner Occupied:

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos
Multi-Family 5+ unit
Mixed Use

Borrower Type

Entity required

Loan Purpose

Purchase + rehab loan for non-owner occupied real estate investment property

Time to close

Closing in as fast as 5 days

Who's it for

Built for active investors who move fast.

Whether you're flipping your first property or scaling a portfolio, Xoan’s fix & flip loans give you the speed and flexibility to win deals in any market.

First-time or experienced investors

Whether you're just starting out or have completed dozens of flips, Xoan provides tailored financing solutions that adapt to your experience level. Our fix and flip loans help you compete with cash buyers and close quickly in any U.S. market.

Investors buying at auction or off-market

When time is critical, Xoan delivers fast approvals and reliable funding—helping you secure undervalued deals before the competition. Our streamlined process is ideal for investors who source deals through wholesalers, auctions, or direct-to-seller channels.

When time is critical, Xoan delivers fast approvals and reliable funding—helping you secure undervalued deals before the competition. Our streamlined process is ideal for investors who source deals through wholesalers, auctions, or direct-to-seller channels.

Operators with teams ready to rehab and list

For investors running multiple projects or in-house crews, Xoan offers reliable capital to keep renovations moving. Our loans are built for scale, supporting repeat deals and fast turnarounds across single-family, multifamily, and mixed-use properties.

For investors running multiple projects or in-house crews, Xoan offers reliable capital to keep renovations moving. Our loans are built for scale, supporting repeat deals and fast turnarounds across single-family, multifamily, and mixed-use properties.

One platform. Every scenario. Every exit strategy

Have a deal to discuss? A question about funding? Looking to partner? We’d love to hear from you.

Leverage. Freedom.

885 Tahoe Blvd #54
Incline Village, NV 89451

Lending

Products

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How it works

Testimonials

Apply now

Review us

Company

About us

Careers

Insight

Blog

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Terms

This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.

Leverage. Freedom.

885 Tahoe Blvd #54
Incline Village, NV 89451

Lending

Products

Asset Types

How it works

Testimonials

Apply now

Review us

Company

About us

Careers

Insight

Blog

FAQ

Team

Terms

This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.

Leverage. Freedom.

885 Tahoe Blvd #54
Incline Village, NV 89451

Lending

Products

Asset Types

How it works

Testimonials

Apply now

Review us

Company

About us

Careers

Insight

Blog

FAQ

Team

Terms

This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.