Fix and Flip Loans
Fast, Reliable Funding for Your Next Flip
Turn opportunities into profits with short-term financing designed for real estate investors. Our Fix & Flip Loans help you purchase, renovate, and sell properties without the stress of cash flow limitations. Get quick approvals, flexible terms, and a lending partner that moves as fast as you do.
Rates Starting at
9.55%
About Fix & Flip Loans
Financing that Moves at the Speed of Your Project
When time and flexibility define your success, Xoan’s Fix & Flip Loans help you stay ahead. Designed for real estate investors and renovators, these short-term loans fund both acquisition and rehab so you can purchase, improve, and sell properties with confidence. Fast approvals and streamlined draws let you focus on maximizing returns—not waiting on capital.
Quick, Simple Approvals
No long forms or red tape. Get pre-qualified quickly so you can secure the property and start your project right away.
Tailored to Your Strategy
Choose from flexible loan structures and repayment options that fit your project timeline, whether it’s a light cosmetic flip or a full renovation.
Reliable Funding Every Step of the Way
Access renovation funds through a transparent draw process that keeps your project on track from start to finish.
Property types we finance
Single-Family Rentals (SFRs)
Ideal for buy-and-hold investors seeking stable, long-term cash flow on individual properties.
2–4 Unit Properties
Leverage stronger rental income and diversify your portfolio under one DSCR structure.
Condos and Townhomes
Expand into desirable urban and resort markets with financing tailored for smaller, high-demand units.
Rental Loan Terms
Financing built for the long game.
Every project is different — that’s why our Fix & Flip Loans are built to adapt. From short turnarounds to complex renovations, we give investors the flexibility, transparency, and speed they need to stay competitive.
9.25%
Fixed-rate, interest-only loans based on experience, and credit.
$75,000 – $3,000,000+
Covers both purchase and rehab; higher amounts are accepted.
6 – 24 Months
Flexible fixed-rate terms with most investors choosing 12 months.
Up to 90%
Finance the purchase and 100% of rehab costs through verified draws.
80% LTARV
Total exposure capped at 80% of the property’s after-repair value.
No Penalties
Pay off your loan anytime — no fees, no hidden restrictions.
5–10 Business Days
Close quickly with streamlined underwriting and entity approvals.
Business entities
For U.S.-based LLCs, corporations, or partnerships with 600+ FICO.
How Fix & Flip Loans Work
From application to closing — all in one seamless experience to finance your Fix and Flip projects.
The Fix & Flip loan provides project-based capital for investors purchasing undervalued residential properties, completing renovations, and reselling for profit. It combines acquisition and rehab funds into a single, interest-only loan designed to maximize leverage and cash-on-cash return.
Acquisition & Rehab Financing in One Loan
Fund up to 90% of total project cost (LTC) or 80% of the property’s as-is value (LTV). The loan covers both the purchase price and renovation budget, released through draw schedules aligned with project milestones. Terms range from 6 to 24 months, interest-only, with no prepayment penalty.
Built for Velocity and Scale
Loans are underwritten to the property and borrower’s experience — not income. Close quickly, manage construction draws seamlessly, and recycle capital into your next deal faster. Minimum 600 FICO, business-purpose entities only, and loan amounts from $75K to $4M.
How Xoan Works
From application to closing — all in one seamless experience to finance your Fix and Flip projects.
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: We Handle the Documents for You
Xoan handles most of the documentation for you through secure third-party integrations — automatically gathering property, income, and insurance details. For the few items we can’t retrieve, like a purchase contract, simply upload them through your dashboard in seconds. No email threads, no back-and-forth — just a faster, smoother path to closing.
Step 3: Track Your Loan Progress in Real Time
Your dashboard keeps you informed every step of the way — from underwriting to final approval. See exactly where your loan stands, what’s next, and when to expect closing. No chasing updates, no confusion — just total transparency from start to finish.
Step 4: Close, Manage Payments, and Payoffs
Close your loan quickly — often within five days of appraisal and title completion. Once funded, manage everything in one place: make payments, view statements, and request payoff quotes instantly when it’s time to refinance or sell. With Xoan, your entire loan journey stays simple, transparent, and in your control.
Who’s it for?
Smart strategies powered by Fix & Flip loans
Every investor has a different approach — but all successful flippers share one thing in common: speed and leverage. Xoan’s Fix & Flip loans are built to fund short-term real estate strategies that maximize capital efficiency, project turnover, and return on investment.
Build-to-Sell
Develop new single-family or small multifamily homes for resale. Xoan’s streamlined draw process and predictable terms keep your build schedule — and your profits — on track.
Build-to-Rent (BTR)
Construct new rental properties designed for long-term cash flow. Finance the full build, then transition into DSCR rental financing once stabilized.
Spec & Infill Development
Perfect for small-lot or urban infill projects. Fund land acquisition and vertical construction with fast, milestone-based draws.
Subdivision or Multi-Unit Pr
Scale efficiently with financing for multiple homes or units under one umbrella loan — ideal for phased construction and planned communities.
Bridge to Perm Financing
Use flexible exit options to refinance into long-term rental or take-out loans. Keep capital moving from one build to the next with ease.
Whatever your strategy — fix-and-sell, BRRRR, or scale-and-repeat — Xoan gives you the speed, clarity, and capital to keep every project moving.
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Testimonials
Reflections From Those Who Build the Future.
“Xoan gets how investors operate. From underwriting to draws, every step was fast, transparent, and designed for deal flow. It’s the first lender I’ve used that actually matches the pace of the market.”
Jossue Guzman
,
Founder of Nexgen Buyers LLC
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Have Questions?
FAQ
Everything you need to know about Fix & Flip loans with Xoan.
Do you finance both purchase and renovation costs?
Yes—renovation budgets are funded via draw requests.
How fast can I close?
Can I refinance into a rental loan?
Still have questions?
Have questions or need assistance? Our team is here to help!
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Funding and management tools built for serious investors—ready to power your next deal.
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