Loan Product

Acquisition & Rehab Loans

Short-term financing to acquire and renovate — then sell or hold. Speed and leverage for investors at every level, from your first project to your fiftieth.

Up to 100% LTC75% ARVUp to 24 monthsFrom 8.5%
The Basics

What is an Acquisition & Rehab loan?

An Acquisition & Rehab loan is short-term financing built to buy and renovate a property, then exit by selling or refinancing into a long-term loan. It’s the capital behind the project — structured around the deal rather than a long hold.

Funding typically covers both the purchase and the renovation budget, with rehab money released in draws as the work gets done. We work with investors at every experience level — and reserve our premier terms, like rates from 8.5%, for those with a proven track record.

Purchase + rehab covered

Financing for both the acquisition and the renovation budget, so your capital goes further on each deal.

Draw-based funding

Renovation funds are released in draws as the work progresses, keeping the project moving.

Flexibility

Options that fit the deal — including payment escrows and terms up to 24 months — so the loan works around your project.

Rewarding experience

We work with investors at every level — and reserve our premier terms, with rates as low as 8.5%, for seasoned operators.

At a Glance

The essentials.

Loan purposePurchase + renovation (rehab)
StrategyRenovate-to-sell or renovate-to-hold (BRRRR)
Property typesResidential investment properties
LeverageUp to 100% LTC & 75% of ARV
TermShort-term — up to 24 months
Rehab fundsReleased via draws as work progresses
Flexible optionsPayment escrows available
Advanced drawsAvailable to select borrowers
Availability47 states

Maximum leverage shown. Our best pricing (rates from 8.5%) is reserved for seasoned investors; final terms depend on the deal and your experience — request a quote for your numbers.

Who It’s For

Investors at every level.

From first-timers getting started to seasoned operators running multiple projects at once — we structure financing to fit where you are.

How It Works

From inquiry to closing, without the runaround.

Consultation

A loan officer reviews the deal — purchase price, scope, and exit. No pressure, just clarity.

Application

Submit your application, the property, and your renovation budget.

Appraisal

We order your appraisal through established, local appraisers who know their markets — so valuations come back fair, well-supported, and on time.

Underwriting

We review the numbers and the project, then move toward approval — keeping you informed.

Closing

You close, start the rehab, and pull draws as the work is completed.

Questions

Acquisition & Rehab, answered.

What does the loan cover?
Typically both the purchase and the renovation budget, with rehab funds released in draws as the work is completed.
Do I need renovation experience?
No — we work with investors at every level. Our premier terms, like rates from 8.5%, are reserved for seasoned investors with a track record; newer investors may see different terms, and we’ll walk you through what to expect.
What if I’m using a contractor?
Make sure your contractor is properly licensed, insured, and pulling permits where required. If so, it won’t affect your loan.
How fast can it close?
Most loans close in roughly 15–30 days, depending on the appraisal and final underwriting.
Get Started

Ready to fund your next project?

Tell us about the property and the project. We’ll get back to you with a term sheet — fast.

Contact us · (502) 586-3698