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NMLS #XXXXXXX · Equal Housing Opportunity

(215) 555-0145Pre-qualify

Loan programs

See all 16 programs

Six purchase programs, each underwritten in our Center City office rather than sold to an out-of-state desk.

Brick front steps of a Philadelphia row homeCompare all purchase programs

Rate and term, cash-out, or a streamline that skips the appraisal. We run the break-even before you apply.

Refinance paperwork being signed at a tableRun the refinance numbers

Second-lien options that leave a low first mortgage rate untouched.

Bright renovated living room with hardwood floorsSee equity options

Qualified on the property, not your tax returns. The reason most of our repeat clients came to us.

Brick multifamily apartment buildingOpen the investor desk
(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

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Tools and rates

See every tool

Five working calculators. Every figure recomputes as you type, including the full amortization schedule.

Amortization figures and a calculator on a deskOpen the calculator hub

Sample pricing, the points grid with break-even months, and a line-item closing cost sheet.

Planning a home purchase budget at a laptopSee today's sample rates

Who underwrites your file, where we are licensed, and what clients said afterwards.

Keystone Capital Mortgage office meeting roomMeet the lending team
(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

Start pre-qualification

Investor

Fix and flip loans

Priced on the exit, drawn on inspection, closed in nine days.

InvestorUp to 85%Up to 100% of budget
Start pre-qualificationTalk it through
Row home mid-renovation with framing exposed

What a Fix and flip loan actually is

A fix and flip loan is short-term, interest-only financing for the purchase and renovation of a property you intend to sell. We lend up to 85% of the purchase price and up to 100% of the renovation budget, subject to a total not exceeding 70% of after-repair value. That last constraint is the one that actually governs most deals.

Rehab money is not handed over at closing. It is held and released in draws against inspection of completed work, typically within 48 hours of your request. That protects both of us: you are not paying interest on money sitting idle, and we are not funding a project that has stalled at demolition.

Best suited to

  • Investors renovating Philadelphia row homes for resale
  • Operators with a track record who need speed more than they need the last quarter point
  • Deals where the seller will not wait 30 days for conventional financing
  • Projects with a clear, comparable-supported after-repair value

What comes with the loan

  • After-repair value appraisal ordered with the scope of work attached, not guessed at
  • Draw inspections within 48 hours of request, with funds wired the same day they clear
  • Interest charged on the drawn balance only, not the full approved amount
  • Extension options priced up front rather than negotiated under pressure at month eleven
  • Median nine business day close on a complete file, which is what wins an off-market deal
  • Exit planning into a DSCR loan if you decide to hold rather than sell

How a file moves

  1. 01

    Deal review

    Purchase price, scope of work, after-repair value and comparable sales. We will tell you within a day whether the exit supports the loan.

  2. 02

    Approval

    Credit, entity, liquidity and track record. Experience matters: it changes leverage, not eligibility.

  3. 03

    Appraisal

    As-is and after-repair value, with your scope of work in the appraiser's hands from the start.

  4. 04

    Closing

    Nine business days median on a complete file. In the entity, with a member guaranty.

  5. 05

    Draws and exit

    Request a draw, inspection inside 48 hours, funds wired on clearance. At completion, sell or refinance into a DSCR loan.

Why borrowers choose it

  • Rehab fully funded

    Up to 100% of the renovation budget, subject to the 70% after-repair value cap.

  • Interest on drawn funds only

    Undrawn rehab money costs you nothing until it is released.

  • Nine day close

    Median nine business days on a complete file, which is how off-market deals are won.

  • A built-in exit

    If the market turns and you would rather hold, we refinance the project into a DSCR loan.

What to watch out for

  • The 70% after-repair value cap governs more deals than the 85% purchase figure does.
  • First-time flippers are capped at 75% of purchase until there is a completed project to point to.
  • Extensions cost points. Build a realistic schedule, then add six weeks.

Fix and flip questions we get asked

Still unclear? Call (215) 555-0145 and ask for the investor desk.

All questions

You submit a draw request itemising completed work. An inspector visits within 48 hours, we verify against your scope of work, and funds are wired the same day the inspection clears. Most projects run three to five draws.

Three constraints apply at once: 85% of purchase, 100% of rehab, and 70% of after-repair value all-in. The after-repair value cap is what binds in most deals. On a $200,000 purchase with $80,000 of work and a $360,000 after-repair value, the cap is $252,000.

No, but experience changes leverage. A first-time investor is capped at 75% of purchase rather than 85% until there is a completed project on record. Two documented exits move you to full leverage.

We refinance it into a DSCR rental loan once the work is complete and it is leased or has a supportable market rent. Planning that exit at the start, rather than in month eleven, saves both time and points.

Programs worth comparing

Find out if Fix and flip fits

Fifteen minutes, a soft credit pull, and a straight answer about which program actually suits your file.

Start pre-qualification(215) 555-0145

No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.

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