Total Advantage Solutions
Loan Products

Fix & Flip / Fix & Rent Loans

Acquisition + rehab capital for 1–4 unit residential and (with experience) small multifamily flips. Three product tiers cover everything from first-time flippers to 10+ flip veterans.

General Liquidity Requirement

25% of the rehab budget, 6 months of interest-only payments, down payment, and closing costs. Product 1 requires 40% of the rehab budget.

Product 1

650+
NOT available in California
  • 650 mid credit score required
  • Must own at least 1 investment property
  • 80% Loan-to-Cost for first-time flippers
  • Up to 90% LTC for experienced investors (5+ flips in 24 months)
  • No seasoning or sourcing of funds if required liquidity is $100,000
  • 1–4 units only

Product 2

700+
Available in CA, OR & other states
  • 700 credit score
  • Up to 90% LTV with mid credit score above 740
  • First-time investors: rehab cannot exceed 50% of purchase
  • 680 credit allowed at lower LTVs
  • No seasoning or sourcing of funds
  • No liquidity check
  • 1–4 units only

Product 3

650+
NOT available in California
  • 650 credit (lower LTV applies)
  • 700 credit: up to 85% LTV for first-time investors
  • 700 credit + 10+ flips in 36 months: 100% purchase and 100% rehab
  • 1–4 units & manufactured homes allowed
  • Multifamily allowed with 5+ commercial flips and 700 credit (9 units max)
Ready to submit?

Get your Fix & Flip scenario reviewed.