Short-term acquisition and renovation financing, underwritten against after-repair value. Built for Texas investors who move fast and execute clean exits.
Fix & Flip loans from Brazos Lending are structured around after-repair value (ARV) — giving Texas investors the leverage they need to acquire and renovate without leaving equity on the table.
We do our own underwriting in-house. No third-party approvals, no committee delays. Your loan officer has the authority to structure and commit from day one.
We cover up to 100% of renovation costs within the overall LTC threshold, so you can put your capital toward acquiring the deal — not funding the rehab out of pocket.
Eligible Properties: Non-owner occupied SFR, condos, townhomes, 2–4 unit multifamily. Texas and select surrounding markets.
| Parameter | Detail |
|---|---|
| Loan Purpose | Acquisition + Renovation |
| Rate | 11.5% – 15% (interest only) |
| Term | 6 – 12 months |
| Loan Size | $100,000 – $2,000,000 |
| Max LTC | Up to 90% of total cost |
| Max LTV (ARV) | Up to 70% ARV |
| Rehab Coverage | Up to 100% of budget |
| Property Types | SFR, Condo, Townhome, 2–4 Unit |
| Prepayment | 3-month minimum interest |
| Extension | Available — subject to review |
| Recourse | Full recourse |
Execution-focused investors with a track record and a credible plan.
We keep documentation requirements lean and purposeful.
Get preliminary Fix & Flip terms the same day you submit.
Apply for a Fix & Flip Loan →