Fix & Flip
Loans
Loans Designed for Real Estate Investors
Peach Tree Commercial Capital’s Fix & Flip Loan Program helps real estate investors purchase, renovate, and resell properties with minimal upfront costs. The program offers up to 95% financing on the purchase price and 100% of renovation costs, as long as the total loan does not exceed 75% of the property’s after-repair value (ARV). Loans are short-term (12–18 months), commonly used for property purchases, repairs, and related expenses, and are available even to investors with little to no flipping experience. Interest is only charged on funds used—not on the rehab holdback.
Fix & Flip Loan Program
Terms & Eligibility Overview
| Purpose | Purchase, Refinance, Cash Out |
| Collateral | SFR, 2-4 Units, Multifamily 5+ |
| Guarantors | US Citizens, Permanent Residents, Foreign Nationals |
| FICO | 660 640-659 Interest Reserves required |
| Experience | New and Seasoned Investors |
| Term | 6,9,12 months |
| LTV | Up to 92.5% LTC / 75%ARV |
| Min Loan Amount | $50K for 1-4 Units $250K for Multi-Family 5+/Mixed Use |
| Max Loan Amount | $2MM for 1-4 Units $3MM for Multi-Family 5+ / Mixed-Use |
| Min property value | $75K preferably Lower values accepted case by case |
| Amortization Options | Interest Only on: Full Note and Unpaid Balance – Draws Balloon Payment at payoff |
| Interest Reserves | No |
| Prepayment penalty | No |
| Rates | 9.50% |