Up to 95% of purchase price and 100% of your rehab budget. Only 1 point origination. Closings in as little as 5–7 business days.
Please Note: Fix & flip loans are for non-owner occupied investment properties only.
Answer four quick questions for your leverage options
Takes less than 2 minutes · No credit impact
A Trulo loan agent will reach out shortly. Need it faster? Call 424-600-9395.
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Why Trulo
Fix and flip is a timing business. Everything here is built around getting you to the closing table first.
Keep your capital working across more deals instead of locking it into one down payment.
Your full renovation budget is funded and released through a draw schedule as each phase completes.
Speed is our middle name. We aim to close in 5–7 business days, given no third-party delays.
No exit history required. Verified investment properties outside the 3 year look back still count toward your experience score.
Hold title in an LLC, as an individual, or through another business entity.
One team from scenario to final draw. No handoffs, no waiting on a third-party processor.
Why Fix & Flip Financing
Which financing fits depends on your timeline, the condition of the property, and whether you need renovation capital.
| Feature | Trulo Fix & Flip | Conventional | HELOC | Cash |
|---|---|---|---|---|
| Time to close | 5–7 business days | 30–60 days | 2–4 weeks | Immediate |
| Underwriting focus | ARV and deal strength | Income and credit | Equity in your home | None |
| Term | 6–18 months | 15–30 years | 10–20 year draw | N/A |
| Rehab funded | ✓ Yes, up to 100% | No | Only up to your equity | Out of pocket |
| Distressed property eligible | ✓ Yes | Rarely | N/A | Yes |
| Best for | Distressed deals, fast closes, scaling | Move-in ready, owner-occupied | Small projects, low leverage | One deal at a time |
How It Works
Six steps, one team, no handoffs. Everything is processed in-house.
Answer a few quick questions about your experience and your deal. We start with a soft credit pull, which does not affect your score.
We go over your numbers together and figure out the fastest path to closing.
Purchase contract, scope of work, and basic borrower info.
Your file moves into underwriting right away and you stay updated every step of the way.
Funds go directly to the title company.
As you complete each phase of the renovation, we help coordinate the inspection and release of funds.
Send us the address, the purchase price, and the rehab budget. We will tell you what can be done with it.
Soft credit pull, no obligation. Same-day scenario review.
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