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.

Get in Touch

    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

    Key Features and Benefits of Fix & Flip Financing

    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.

    Ready to apply for a fix & flip loan?

     Get in touch with our experienced team for more details about our financing services.

    Frequently Asked Questions

    If you want to finance property purchase or construction, fix and flip financing can be an excellent option for you.
    You can apply for fix & flip loans using our full application form.
    With our seamless approvals and minimal documentation, the loan process can be completed swiftly if you submit the relevant paperwork.

    Ed Stock

    Managing Partner/Founder

    With 30 years of real estate finance and investing experience, I have come across most of what the real estate and mortgage arena has to offer. As a full time real estate investor, I am always looking for new projects in the Fix and Flip market as well as the holding of long term rentals. At Insula Capital Group, I have successfully placed many new investors on the course to aquiring and managing their own real estate portfolios.