Real estate investors know the formula: buy smart, renovate well, and sell quickly. But right now, access to the right financing can make or break that formula. Traditional mortgages are often too slow and too rigid for short-term investment projects, which is why many investors are turning to Fix and Flip lending.
At LendSure Home Loans, our Fix and Flip lending program is designed to put investors in control. With fast approvals, high leverage, and greater flexibility, it gives you the capital and confidence to maximize return on investment.
How to Maximize ROI in Today’s Market
Successful investors focus on strategies that create value and protect profit. Here are five key ways to make the most of a fix and flip project:
- Target Properties with Untapped Potential: Look for undervalued homes in neighborhoods where demand is strong. Cosmetic improvements such as new flooring, updated kitchens, or modern curb appeal often deliver faster resale gains than costly structural overhauls.
- Budget and Protect Your Margins: Unforeseen costs are part of every renovation. Smart investors build detailed budgets with a contingency cushion. With LendSure Home Loans covering up to 100 percent of renovation costs, your cash flow stays intact and your ROI protected.
- Move Quickly from Purchase to Sale: Every month of holding costs cuts into profit. The faster you acquire, renovate, and sell, the better your ROI. LendSure Home Loans issues decisions and term sheets in hours, not days, so you never miss an opportunity.
- Build the Right Team: Your contractors and agents directly impact your bottom line. Partner with professionals who can deliver quality work on schedule and help your property stand out when it is time to sell.
- Plan Your Exit from the Start: Whether you intend to sell, refinance, or convert the property into a rental, knowing your exit strategy ensures you maximize profits. With LendSure Home Loans, you can even refinance into a DSCR Investor Cash Flow Loan after your flip to keep the property in your portfolio.
Financing That Makes It Possible
Strategies mean little without financing to back them up. That is where the LendSure Home Loans Fix and Flip lending program shines.
Program Highlights:
- Loan amounts up to $1,000,000
- Purchase financing up to 90 percent of cost
- Construction financing up to 100 percent of cost
- Combined maximum of 90 percent of total project cost, capped at 70 percent of the After Repair Value (ARV)
- 12 month interest only terms
- Minimum FICO score of 660
- Properties eligible: single family and multifamily up to four units
- Available for all levels of investor experience, from first-time flippers to seasoned professionals
With these features, LendSure Home Loans provides investors with the speed and flexibility needed to compete.
How the LendSure Home Loans Fix and Flip Lending Process Works
We know timing is everything in a flip. That is why our process is built for speed and simplicity, so you can move from application to funding without unnecessary delays.
Application
Our streamlined application is much shorter than a traditional mortgage application, saving you time and hassle.
Term Sheet
You will receive a clear term sheet quickly, giving you the confidence to make competitive offers without waiting on lengthy disclosures.
Signed Term Sheet and Documentation
Once you review the terms, simply return the signed agreement along with the required documentation to keep the process moving.
Underwriting
Our underwriting team prepares a conditional approval based on the documents you provide. Throughout this step, your Account Manager works closely with you to make the process as smooth as possible.
Clear to Close
When all conditions are satisfied, your loan is approved and ready to close.
Funding
Funds are made available through a draw process, reimbursing you as work is completed and verified.
How the LendSure Home Loans Fix and Flip Lending Draw Process Works
Renovations are completed in stages, and your funding follows the same structure to keep your project on track.
- Staged Disbursements: Construction funds are released in phases that align with key renovation milestones.
- Draw Requests: Once a stage of work is finished, you submit a draw request that includes inspection results and paid invoices.
- Review and Approval: Our team reviews your request and verifies the work through documentation, such as title updates or additional inspections.
- Reimbursement: After approval, you are reimbursed for the completed work, keeping cash flow aligned with your progress.
Why Self-Employed Borrowers Benefit
Traditional mortgage qualification often depends on W-2 income or years of tax returns, creating challenges for entrepreneurs, freelancers, and independent contractors. LendSure’s Fix and Flip lending program offers a solution. By focusing on property value, project viability, and borrower creditworthiness, it opens the door for self-employed borrowers to invest confidently and profitably.
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we often say “yes” to today’s homeowners and investors.
Ready to explore LendSure Home Loans’ offerings? Contact us today.
