Fix-and-Flip Loans
A fix-and-flip loan is short-term financing used to buy and renovate investment properties. Approval focuses on the property, the project, and the after-repair value (ARV) — not your tax returns or W2s.
Who These Loans Are Ideal For
- House flippers who need purchase + rehab capital
- Investors competing with cash buyers in tight markets
- Self-employed or mixed-income borrowers
- Portfolio builders acquiring multiple properties
- Investors relying on ARV-driven strategies
Rates & Terms
Fix-and-Flip Loan Highlights
- Rates starting as low as 7.75%
- Loans from $100K to $3M
- Up to 100% of purchase price
- Up to 80% of ARV
- 100% of rehab cost financed
- 12, 18, or 24-month terms
- Interest-only payment options
- No application fee
- No appraisal required
- No income verification
Built for speed, leverage, and project momentum.
Why Investors Choose Roost
Investors choose Roost Home Loans for speed, precision, and real flexibility. We combine deep lending expertise with a seamless, tech-forward process built for fast-moving deals. With access to competitive wholesale rates, diverse loan products, and the ability to accelerate closings, we tailor every solution to your strategy — not the other way around. Expect clear communication, fast turnarounds, and financing built to help you move quickly, scale confidently, and maximize returns.
Zero Traditional Hassles
Skip W2s and tax docs. We cut out the busywork so you can focus on acquisitions and renovations.
Lightning-Fast Closings
Get pre-qualification letters 24/7 and close in as few as 7 days, giving you a real edge against cash offers.
Hands-On Support
Our team helps you analyze deals, run pricing, and navigate the process from application to funding — quickly and clearly.
Frequently Asked Questions
Up to 100% purchase, 100% rehab, and 80% ARV.
Non-owner occupied SFRs, condos, manufactured homes, 2-4 units, and PUDs.
No. We use in-house valuations to keep things fast.
No. These loans are asset-based and project-driven.
Funds are released in stages as work progresses, covering 100% of the approved rehab budget.
No application fees and no third-party appraisal costs.
What Our Clients Are Saying
Working with this team twice has been nothing short of amazing. They helped us close another VA loan, right on time and without a hitch. Trusting them again was the best decision—we knew we were in good hands, and they proved it once more.
Closing day in Joshua, TX was a dream come true. Our loan cleared and closed in just 5 business days—talk about fast! The process was seamless and stress-free thanks to the entire team. We’re beyond thankful to everyone who helped make our dream a reality.
As a first-time buyer, I couldn’t have asked for a smoother experience. From planning to closing, everything was seamless—and we even finished early! Grateful for the guidance and support that made my dream of homeownership a reality.
Closing on our first home was such a joy—especially since it happened a week early! Jason found the perfect place for our family and negotiated every detail. We’re so thankful for the dedication and heart that went into making this happen. Truly a dream come true.
As a first-time buyer, I couldn’t believe how fast everything moved. Contract signed 9/27/24, closed early, and I had the keys by 10/10/24—just in time for my busiest season. I’m so grateful for the referral and the amazing team that made it happen. Couldn’t have asked for a smoother experience!
We never imagined buying our very first home could be this easy. Our VA loan closed in just 8 business days—such a record-breaking experience. The team guided us through every step, and we felt completely supported. We are so grateful for their speed, experience, and care.
Ready to start your journey?
Let's find the perfect mortgage solution for your needs
