Fix and Flip Loans in Rochester
Fix & Flip Loans in Rochester That Keep You Ahead of the Market
Rochester’s housing market has become one of the most attractive in upstate New York. From multifamily conversions near Park Avenue to historic rehabs in Corn Hill and quick flips in the South Wedge, opportunities are everywhere — but they don’t sit on the market for long. With competitive offers and rising buyer demand, speed is the deciding factor.
If you don’t have financing lined up, you’ll miss the deal.
That’s where Insula Capital Group comes in. We specialize in fix-and-flip loans in Rochester, delivering short-term, asset-based funding designed to move as quickly as you need it. With approvals in about 24 hours and closings in as little as five days, we give Rochester investors the leverage to act fast.
Submit your request today and secure the capital you need for your next Rochester project!
Why Rochester Investors Choose Our Fix and Flip Loans
- Close in days, not months— compete directly with cash buyers.
- Finance the full renovation budget— from kitchens to full-scale rehabs.
- ARV-based lending— borrow against the property’s potential, not just its current condition.
- Flexible terms— from 12 to 24 months, aligned with your project timeline.
Rochester Fix & Flip Loan Features Designed for Investors
- High Purchase Funding— Up to 90% of the purchase price covered, helping you compete directly with cash buyers.
- Up to 90% Loan-to-Cost (LTC)— Finance nearly the entire project, including acquisition and rehab.
- 100% Renovation Financing— Every dollar of your rehab budget can be funded. No need to drain reserves.
- Up to ~75% After-Repair Value (ARV)— Lending based on the improved value of the property, not just its current condition.
- Interest-Only Payments— Pay only on drawn funds during the renovation period, keeping monthly costs low.
- 12–24 Month Loan Terms— Choose the term length that fits your project timeline and exit strategy.
- Fast Draw Process— Request draws with a quick self-inspection or third-party review. Funds can be released in days, not weeks.
- Option to Roll Payments Into the Loan— Maintain cash flow flexibility during heavy renovation months.
- Flexible Loan Sizes— From smaller $75k flips to large-scale multifamily renovations, we finance projects across all sizes.
- Nationwide Service, Local Focus— While we lend nationwide, our team understands Rochester’s unique market conditions and tailors solutions accordingly.
- Support for First-Time Flippers— Even new investors can qualify if the property and plan make sense.
- Fast Closings— Our streamlined process gets you from application to funding in as little as five business days.
Ready to apply for a fix & flip loan?
Get in touch with our experienced team for more details about our financing services.
How the Fix and Flip Loan Process Works in Rochester
- Apply Online— Share your project details.
- Loan Review & Offer— Receive terms within 24 hours, tailored to your deal.
- Property Evaluation— We assess ARV and renovation potential.
- Approval & Funding— Close in as little as five business days.
- Rehab & Draws— Access renovation funds quickly as your project moves forward.
No long waits, no endless paperwork — just clear, fast financing built for Rochester investors.
Why Partner with Insula Capital Group for Rochester Projects
- Fast closings— Approvals in 24 hours, funding in 5 days.
- Experienced team— 30+ years of real estate lending expertise.
- Transparent terms— No hidden fees or surprises.
- High leverage— Strong LTC and ARV-based funding.
- Flexible loan structures— Tailored to your project’s scope and timeline.
- Investor-focused support— Hands-on guidance from application through closing.
- Reliable draw process— Quick access to renovation funds.
What we offer
All Loan Services
Fix And Flip Loans
Fix And Flip Loans
Ground Up Construction
Ground Up Construction
Rental Property Loans
Rental Property Loans
Thousands of Clients Trust Our Company
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Testimonials
What Our Client Say
Just completed my mortgage refi with Insula, and I couldn’t be happier! Bruce, my lender, was absolutely fantastic—professional, responsive, and made the entire process smooth and stress-free. Highly recommend Insula and Bruce for anyone looking to refinance!
Ready to Flip Your Next Rochester Property?
Rochester’s best deals don’t wait around. With Insula Capital Group, you’ll have the speed, capital, and flexibility to compete — and win. Whether it’s your first flip or your tenth, our fix-and-flip loans give you the confidence to move fast and finish strong.
Apply today or call us to discuss your next Rochester investment project.
Frequently Asked Questions
No. Our loans are asset-based, meaning approval depends on the property and the deal structure, not just your credit score. Investors with less-than-perfect credit often qualify.
