Fix & Flip Loans - The Gracia Team

Transform Properties and Maximize Profits with Fix & Flip Loans

Flexible Financing Solutions for Buying, Rehabbing, and Selling Properties

Fix & Flip Loans Can Provide Flexibility & Peace of Mind

Introduction to our Fix & Flip Loans Program ...

At West Capital Lending, we offer tailored Fix & Flip loans designed to help you purchase distressed properties, renovate them, and sell for a profit. Whether you’re an experienced investor or just starting out, our team, led by Zahami Gracia, is here to provide you with the financing solutions you need to succeed in the real estate market.

Loan Programs

FixNFlip Loans

For buying distressed properties, rehabbing, and selling.

Fix2Rent Loans

Ideal for BRRRR investing (Buy, Renovate, Rent, Refinance, Repeat).

BridgePlus Loans

Quick acquisition or bridge to sell with no rehab budget or DSCR calculation.

Key Requirements for Our Fix & Flip Program?

FICO Score: Minimum credit score required.
Experience: Number of flips completed in the past 36 months.
Purchase Price or Value: The price at which you’re purchasing the property.
Rehab Budget: Estimated cost of renovations.
ARV (After Repair Value): Expected market value after renovations.
Liquidity: We lend 7x your liquid assets.

Why Choose Our Fix & Flip Program?

High Leverage: Up to 92.5% LTC (Loan-to-Cost) and 75% LTV (Loan-to-Value).
Flexible Loan Amounts: Loans from $75K to $3MM.
Term Options: Choose from 13 or 19 month terms.
Competitive Rates: Rates range from high 8s to 13s.
Heavy Rehab Option: Use funds to build ADUs (Accessory Dwelling Units).
Non-Recourse Available:Protect your personal assets.
Interest Only Loans: Lower monthly payments during the loan term.
No Prepayments: Pay off your loan without any penalties.

what our clients have to say

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Apply Online

Fill out our simple online application form.

Get a Term Sheet

Receive approval within 24 hours.

Quick Approval

Receive approval within 24 hours.

Transform and Sell

Use the funds to purchase, rehab, and sell your property.

Ready to get started with your fix and flip project? Apply now and secure the financing you need to transform properties and maximize your profits.

Click the button below to get started.

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Frequently Asked Questions (faq)

What is a Fix & Flip loan?

A Fix & Flip loan is a short-term loan used to purchase, renovate, and sell distressed properties for a profit.

What are the key requirements to qualify for a Fix & Flip loan?

Key requirements include a minimum FICO score, experience with flips, purchase price, rehab budget, ARV, and liquidity.

How quickly can I get approved and funded?

Our streamlined process ensures quick approval and funding to help you start your project without delay.

Can I use the loan to build ADUs?

Yes, our heavy rehab option allows you to use funds to build Accessory Dwelling Units (ADUs).

What are the term options for Fix & Flip loans?

We offer 13 and 19 month term options to suit your project needs.