California Fix & Flip Loan Program
Our Fix & Flip loans provide Strategic Capital for Value Creation and are for real estate investors and rehabbers looking to purchase property to fix and sell within one to two years
Program Overview
Our Fix & Flip Loan Program provides short-term acquisition and renovation financing for experienced and emerging real estate investors seeking to create value through property improvement and resale.
We finance both the purchase price and renovation budget, allowing investors to preserve liquidity while maximizing return on capital.
This program is structured for speed, clarity, and disciplined execution — enabling investors to acquire, improve, and exit efficiently.
Program Highlights
| Loan Amounts: | $100,000 – $3,500,000 |
| Property Type: | Residential 1 – 8 Units – Multi-Family – Condos, Mixed Use and Commercial |
| Loan Type: | Fix and Flip in 1st or 2nd lien position |
| Loan-to-Value: | Up to 80% LTV on Purchase, 70% on REFI and Cash Out REFI. Up to 65% loan on After Repair Value. 75% on Purchase and 75% on Rehab Funding Option available |
| Timeline to Fund: | Fast Funding, Typically 10-14 Business Days |
| Terms: | Interest Only or Amortization with 1-3 year terms, 6 month guaranteed interest |
| Occupancy | Owner Occupied or Non-Owner Occupied |
| Underwriting: | Need to document some way to pay the monthly mortgage. Asset depletion, income, rents, savings… |
| Property Valuation: | Broker Price Opinion on Residential SFR or Duplex and Appraisals on Multi-Family and Commercial. |
| Interest Rates: | Starting at 8.99% Principal and Interest Payments for 1st Trust Deeds and 10.99% on 2nd ‘s |
| Points & Fees: | 1.5 – 2.0 points Option plus Underwriting of $3,495 + |
| Broker Protection | Broker Friendly |
| FICO: | As Low as 620 FICO / Foreign National OK |
Who This Program Serves
- Professional fix-and-flip investors
- Builders and developers
- Investors transitioning from buy-and-hold to value-add strategies
- Real estate operators scaling multiple projects
What Makes Our Program Different
1. Asset-Based Underwriting
We underwrite based on:
- As-is value
- After Repair Value (ARV)
- Scope of work
- Investor experience
We focus on collateral strength and exit strategy — not traditional income documentation.
2. Renovation Funding Built In
- Structured draw schedules
- Controlled disbursement
- Budget validation
- Oversight to protect capital
This ensures capital is deployed responsibly and efficiently.
3. Speed & Execution
In competitive markets, timing wins deals.
We move quickly from approval to funding — often in days.
4. Conservative Capital Structure
We structure loans to:
- Protect downside risk
- Preserve investor capital
- Support realistic resale timelines
Strategic Advantages for Borrowers
Preserve Cash
Leverage capital instead of tying up liquidity.
Maximize ROI
Higher leverage increases potential equity multiple.
Scalable Structure
Repeat borrowers can scale multiple projects simultaneously.
Defined Exit Strategy
Loan terms align with resale timelines and market absorption.
Our Underwriting Philosophy
At Mortgage Vintage and CrowdTrustDeed, we do not fund speculation — we fund structured value creation.
We look for:
- Sensible purchase price
- Realistic ARV
- Detailed renovation scope
- Proven execution capability
- Clear exit plan
We lend conservatively so that:
- Borrowers can execute confidently
- Investors are protected
- Capital is preserved
Ideal Property Types
- Single-family residences
- Condominiums
- Small multifamily (2–4 units)
- Light cosmetic to moderate renovation projects
- Value-add repositioning
Why Our Capital Performs
Our fix & flip program works because it is built on discipline:
- Strong equity buffers
- Controlled construction draws
- Conservative ARV analysis
- Market-driven resale assumptions
This alignment protects both borrower and investor — a principle central to the Mortgage Vintage model.
Why choose Mortgage Vintage for a Fix and Flip Loan in California?
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission, Quick Appraisal, 7 Day Fundings
✓ Fast Construction Draws and Inspections
✓ Flexible and Transparent Loan Process
✓ ADU Funding Based on Committed Terms
✓ Support for Brokers on the take-out refinance, we only do Hard Money
✓ Privacy, Security and Confidentiality through CrowdTrustDeed
✓ Se Habla Español
Surety of fix and flip loan funding through CrowdTrustDeed’s simple, secure online marketplace.
Contact
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
