Fix And Flip Loans
Are you a real estate investor with a keen eye for opportunities in the US housing market? If you’re looking to transform distressed properties into lucrative assets through the fix & flip strategy, we’ve got financing solutions tailored to your needs. At Insula Capital Group, we can help you finance your real estate deals in no time.
Fix & Flip Loan Options: Purchase vs. Refinance
At Insula Capital Group, we know that no two real estate deals are the same — that’s why we offer fix and flip financing solutions tailored to both property purchases and refinances. Whether you’re acquiring your next investment or restructuring an ongoing project, our funding options provide the speed, flexibility, and simplicity you need to succeed.
Fix & Flip Purchase Loans
Perfect for real estate investors looking to acquire distressed or undervalued properties with quick closings.
Our purchase loans are structured to help you act fast in today’s competitive real estate market, allowing you to seize the right opportunity before someone else does.
Use Case Scenarios:
- Purchasing a bank-owned foreclosure with tight deadlines
- Acquiring a rundown single-family home at auction
- Buying a property off-market that needs cosmetic or structural renovations
Loan Highlights:
- Up to 90% Loan-to-Cost (LTC) and up to 75% of After-Repair Value (ARV)
- Funds available for both acquisition and rehab costs
- Close in as little as 5 days
- Interest-only payments during the rehab period
- No income verification required
- Available nationwide
With our purchase loans, you can focus on renovations and reselling without worrying about slow bank processes or cash flow gaps.
Fix & Flip Refinance Loans
Already own a fix and flip property but need more capital, better terms, or extra time?
Our refinance loans are ideal for projects in mid-flip or nearing completion that need new financing to stay on track or increase profit margins.
Use Case Scenarios:
- Need to extend your timeline due to contractor delays
- Original lender’s terms are too restrictive or expensive
- You’ve added significant value to the property and want to tap into the equity
- Looking to consolidate multiple short-term loans into one simple loan
Loan Highlights:
- Refinance up to 75% of the property’s current market value
- Access capital for ongoing renovations or to cover holding costs
- Option to transition into a rental loan if you decide to hold the property
- Quick underwriting and approval, even if the flip is mid-renovation
- No prepayment penalties – exit when it suits your timeline
- Option to roll unpaid interest into the loan
We work with investors to structure refi deals that maximize liquidity, minimize stress, and protect your profits.

The Basics Of Fix & Flip Financing
Flipping houses is an excellent way to make instant cash in the US. The key to success with this type of financing is finding undervalued assets that you can fix up for resale.
The process involves purchasing a property, renovating it, and putting it back out on the market, which can all be pretty costly.
A long-term mortgage loan wouldn’t be feasible for the capital required to acquire, renovate, and ultimately sell properties, which is why Insula Capital Group brings you a fix & flip funding program that’ll make every other fix & flip loan in the US look second-best.
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Why Choose Insula Capital Group for Purchase or Refi?
- 24-hour approvals and funding in under 5 days
- Backed by a team with 30+ years of real estate experience
- No red tape—transparent terms, no junk fees
- Easy, fast application and minimal paperwork
- Hands-on support from our lending specialists throughout the process
Whether you’re buying a new fix and flip opportunity or refinancing an existing one, Insula Capital Group makes funding your project seamless, fast, and built around your investment goals.

Benefits Of Fix & Flip Properties
Rapid Returns on Investment
Unlike long-term property investments, where profitability might take years to materialize, successful fix & flip ventures can yield profits in a matter of months.
Capitalizing on Market Opportunities
Enhanced Property Values
By investing in renovations and improvements, investors have the opportunity to significantly enhance a property’s value. This increase in value translates to a higher resale price, contributing to a more substantial return on investment.
Diversification of Investment Portfolio
For investors seeking diversification in their portfolios, fix & flip provides an alternative to traditional long-term real estate holdings. The short-term nature of these projects adds a layer of diversification, reducing exposure to market fluctuations over extended periods.
No Long-Term Holding Risks
Unlike long-term real estate investments that carry the risk of market downturns and prolonged holding costs, fix & flip projects aim for a quicker turnaround. This mitigates the risks associated with extended holding periods and market uncertainties.
Key Features and Benefits of Fix & Flip Financing
Quick Access to Capital
Flexible Terms
We understand that every fix & flip project is unique. Our financing options come with flexible terms, allowing you to tailor the repayment schedule to align with your project timelines and anticipated profits.
Comprehensive Funding
From property acquisition to renovation costs, our fix & flip financing covers a spectrum of expenses associated with your project. This comprehensive funding ensures you have the financial backing needed at every stage of the process.

Competitive Interest Rates
Our financing solutions come with competitive interest rates, empowering you to optimize your returns by keeping financing costs manageable.

Streamlined Approval Process
We recognize the need for a quick and efficient approval process. Our streamlined procedures enable you to secure financing promptly, so you can seize opportunities and execute your fix and flip projects without delays.
Experienced Team Support
Our team is comprised of experts with extensive knowledge in real estate financing. Benefit from their insights and guidance throughout your fix and flip journey, ensuring you make informed financial decisions.
Understanding the Modern Fix & Flip Lending
Securing capital for a fix & flip project doesn’t have to be complex. Today’s real estate entrepreneurs need fast, reliable funding—and the process has evolved to match that urgency.
Start by submitting a streamlined loan request that outlines your property plans, timeline, and funding goals. Our experienced lending team will assess your project parameters and propose a customized financing approach designed for speed, clarity, and flexibility.
Once approved, funds are typically disbursed quickly and aligned with your draw schedule—helping you acquire the property, manage renovations, and prepare for a timely resale. The fix & flip lending process is now built around efficiency and transparency—enabling you to focus on execution, not paperwork.
Connect With Insula Capital Group
As a reputable private money lender, Insula Capital Group can meet your private financing needs efficiently. Our fix & flip loan funding program is lightning fast with an easy application, inspection, and closing process.
We understand that every client has special financial requirements, which is why each fix & flip funding loan is tailored to fit your needs. Our real estate financing approvals are issued within 24 hours, and most of our fix and flip hard money lenders in the US can get you the funds you need in 5 days or less!
Unlike traditional financing, our process eliminates red tape and emphasizes responsiveness. Most approvals are issued within 24 hours, and funds can often be released in as little as five business days—keeping your project timelines on track.
We prioritize clarity at every step, with experienced team members available to help you navigate terms, and documentation, and draw schedules. With decades of industry knowledge and a forward-thinking approach, we’re committed to helping you move confidently from acquisition to resale.
Get in touch with our experienced team for more details about our financing services.
Direct Nationwide Fix And Flip Loan
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Montana
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- Ohio
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- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- West Virginia
- Wisconsin
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