We are pleased to announce that Finance of America Commercial is now part of the Roc360 family of companies! Our new website is located at facolending.com. Click here for the full announcement or find answers on our FAQ page.
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Fix & Flip Loans

Get the financing you need for your fix & flip and fix & hold properties

  • RATES STARTING AT

8.99%

*

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Our Fix & Flip loans allow investors to acquire and/or renovate various types of properties.

Key Facts About Our Fix & Flip Loans

  • NO prior experience required
  • Extensive rehab financing available (budgets > 50% of total costs)
  • Financing for up 100% of renovation expenses
  • Foreign Nationals eligible

Term

12 months standard

Rehab/Construction Financing

Up to 100% of rehab budget

Maximum LTC (% of purchase price)

Up to 90% LTC

Maximum Loan-To-Value (LTV)

Up to 70% ARLTV

When Do We Use LTV vs. LTC?

Generally, we use LTC on lopsided projects (where the purchase price is lower than rehab budget)

Recourse

Full Recourse Only

Loan Amount

$50K - $3MM

Loan Purpose

Rehab loan for non-owner occupied residential investment property

Borrower Type

Entity required

Property Types

Non-owner occupied:

Attached or detached SFR

2-4 unit properties

Townhomes

Warrantable condos

Foreign Nationals

Not allowed from ineligible country list

Minimum Experience

NO prior experience required
Over $8 Billion in loans for Real Estate Investors
Check out our brochure
Download our brochure
Why Choose a FACo Fix & Flip Loan?
  • Fix & Flip loans are great for renovation projects, big or small.
  • Grow with FACo: As you fund more property loans with us and gain experience, your terms may improve.
  • Extensive Rehab financing is available for larger Fix & Flip projects.

We have the product to meet your needs.

 Important Note: If you are a broker, please call your FACo Account Executive to initiate access to your new and enhanced portal. If you don’t know who your Account Executive is, please call (866) 464-3226 .

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HAVE MORE QUESTIONS?

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    ©2025 Finance of America Commercial is part of the Roc360 family of companies. A Roc360 affiliate is licensed as a California Finance Lender under Department of Financial Protection and Innovation 60DBO-69051; Arizona Commercial Mortgage Banker License 1002735; Florida Mortgage Lender Servicer License MLD1778; Nevada Mortgage Company (License #5100); North Carolina Loan Broker Registration Filing 315; West Virginia State Tax Department, Account #2410-0931. NMLS Company ID 1804080.
    *Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.
    All rights reserved. Equal housing lender.