Financing for people who build, flip, and rehab.
Three loan paths built around how investors and builders actually work — project-based underwriting, draw schedules, and exit timelines. Not retail mortgage paperwork.
UP
Builder & ground-up construction
You own the lot, or you’re acquiring it — and you need financing that funds the build itself, not just the finished house. Disbursed in draws as work is completed and inspected.
- Use of fundsLand + build
- UnderwritingProject-based
- BorrowerBuilder / investor
FLIP
Fix & flip financing
Buy, renovate, resell — or hold as a rental. Short-term, interest-only capital sized to your deal, not your personal income. No tax returns, no DTI.
- Loan amountsUp to $3,000,000
- Loan cap70% of ARV
- Term12 mo, interest-only
RENO
Conventional renovation for investors
Buying a rental that needs work? Roll the purchase and the renovation budget into one conventional loan, sized for the property’s value once the work is done.
- Use of fundsPurchase + reno
- UnderwritingConventional, investor
- Property1–4 unit rental
Investor financing isn’t retail financing.
Owner-occupant loans are underwritten around your personal income and the house as it exists today. These three programs are underwritten around the deal — the build plan, the rehab budget, or the after-repair value.
Ground up
Funds released in scheduled draws tied to construction milestones, with inspections at each stage before the next draw is funded.
Full program details →Fix & flip
Short-term capital sized to purchase price plus rehab budget, structured around a resale timeline rather than a 30-year hold.
Full program details →Conventional renovation
A single conventional loan for an investment property that needs work, based on the value once renovations are complete.
Full program details →Not sure which path fits your project?
Tell me about the deal — the property, the scope of work, and your timeline — and I’ll tell you which program actually fits.
Talk through your projectRenee Duval · Independent Mortgage Broker, licensed in New Hampshire · NMLS #2557411