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    • Home
    • About
    • Services
      • Overview
      • Deal Structuring
      • Commercial Credit
    • Loan Programs
      • Brokerage Overview
      • Fix & Flip Loans
      • Long-Term Rental
      • Multi-Family Loans
      • New Construction
      • Portfolio Loans
    • Resources
      • News
      • Video Library
      • Form Library
      • Terms of Service
    • Get Started
    • Client Portal
  • Home
  • About
  • Services
    • Overview
    • Deal Structuring
    • Commercial Credit
  • Loan Programs
    • Brokerage Overview
    • Fix & Flip Loans
    • Long-Term Rental
    • Multi-Family Loans
    • New Construction
    • Portfolio Loans
  • Resources
    • News
    • Video Library
    • Form Library
    • Terms of Service
  • Get Started
  • Client Portal

Fix & Flip Loans

Loan Program Overview

American Capital Funds Group (ACF) is dedicated to supporting real estate investors with tailored financing solutions for fix and flip projects. Our lender partner's ARV Loan Programs offer competitive financing options designed to maximize your investment potential and streamline your rehab projects. 


Loan Features

 

  • Up to 90% of Purchase Price + 100% of Renovation Costs: Our lender partner provides financing for up to 90% of the purchase price and covers 100% of the renovation costs, ensuring you have the funds needed to complete your project. However, the total financing cannot exceed 75% of the after-repair value (ARV).
  • Interest Only on Outstanding Balance: Unlike many traditional loans, you are only charged interest on the outstanding balance, not the rehab holdback. This means you don’t pay interest on funds you’re not using, helping you save money during the renovation process.

Loan Criteria

  • Eligible Collateral:
  • Non-Owner Occupied 1-4 Family Real Estate
  • Condos and Townhomes
  • 5+ Unit Apartments
  • Mixed-Use Properties

Loan-to-Value (LTV):


  • Up to 90% of the Purchase Price + 100% of the Renovation Costs
  • Not to exceed 75% of the After-Repair Value (ARV)


LEVERAGE BASED ON EXPERIENCE

NEW INVESTOR

INTERMEDIATE INVESTOR

INTERMEDIATE INVESTOR

Completed Up to 2 Flips in

the Last 3 Years


Up to 80% of Purchase

Price + Up to 100% of

the Renovation Costs;

Not to Exceed 70% of

the After-Repair Value

INTERMEDIATE INVESTOR

INTERMEDIATE INVESTOR

INTERMEDIATE INVESTOR

Completed Between 3 & 5

Flips in the Last 3 Years

Up to 85% of Purchase

Price + Up to 100% of the

Renovation Costs: Not to

Exceed 75% of the After-

Repair Value

EXPERIENCED INVESTOR

INTERMEDIATE INVESTOR

EXPERIENCED INVESTOR

Completed More Than 10 Flips

in the Last 3 Years (720+ FICO)


Up to 90% of Purchase Price +

Up to 100% of the Renovation

Costs: Not to Exceed 75% of

the After-Repair Value

LOAN CRITERIA

Loan Terms

Minimum After Repair Value:

Minimum After Repair Value:

 12 to 18 months, offering flexibility to complete your project.

Apply Now

Minimum After Repair Value:

Minimum After Repair Value:

Minimum After Repair Value:

 $100,000 for Single-Family

$100,000 for 2-4 Family

$350,000 for Multi-Family (5+) and Mixed-Use Properties

Apply now

Loan Amounts

Minimum After Repair Value:

Minimum FICO Score: 660

 $50,000 to $2,000,000 for 1-4 Family, Condos, and Townhomes

$250,000 to $2,500,000 for Multi-Family (5+) and Mixed-Use Properties

Apply Now

Minimum FICO Score: 660

Minimum FICO Score: 660

Minimum FICO Score: 660

  660

Apply now

Interest Rates

Minimum FICO Score: 660

Pre-Payment Penalty

 As low as 10.24%, with interest only charged on the outstanding balance 

Apply now

Pre-Payment Penalty

Minimum FICO Score: 660

Pre-Payment Penalty

 None. You have the flexibility to repay the loan early without any additional costs. 

Apply now

Why Choose ACF for Your Fix & Flip Loans?

 At American Capital Funds Group (ACF), we recognize the unique challenges and opportunities inherent in fix and flip projects. Our mission extends beyond merely providing financing solutions; we are committed to equipping real estate investors with the knowledge and skills to understand their deals from a lending perspective. This comprehensive understanding significantly enhances your ability to secure financing and succeed in your investment endeavors. 

Schedule Now

Our Commitment to Your Success

Educational Approach:

 We offer training and resources to help you comprehend the intricacies of your deals from a lender’s viewpoint. This knowledge empowers you to make informed decisions and improve your financing prospects. 

Educational Approach:

 We offer training and resources to help you comprehend the intricacies of your deals from a lender’s viewpoint. This knowledge empowers you to make informed decisions and improve your financing prospects. 

Tailored Financing Solutions:

 Our loan programs are designed to align with your specific investment strategy, ensuring you have the proper financial support to maximize your returns. 

Key Features of Our Fix & Flip Loans


  • Comprehensive Financing: Up to 90% of the purchase price and 100% of renovation costs, not exceeding 75% of the ARV.
  • Diverse Collateral Options: Financing is available for non-owners who own 1-4 family real estate, condos, townhomes, 5+ unit apartments, and mixed-use properties.
  • Flexible Loan Amounts: Ranging from $50,000 to $2,500,000, catering to various project sizes.
  • No Pre-Payment Penalty: Repay your loan early without additional costs, providing greater financial flexibility.


 


Partner with ACF for Your Real Estate Success

By choosing ACF, you gain more than just a broker—a partner dedicated to your growth and success in the real estate market. Our focus on education and tailored financing ensures you can navigate the complexities of fix-and-flip projects and achieve your investment goals.

Contact us today to learn more about our Fix & Flip Loan programs and discover how we can help you turn your rehab projects into profitable investments. Let's work together to make your real estate dreams a reality!


Video

Overview: ACF Fix & Flip Loan Program

Get a quick glimpse into American Capital Funds Group's Fix & Flip Loan Program with our concise 30-second video. Discover how our financing solutions can help you maximize your real estate investments by covering up to 90% of the purchase price and 100% of renovation costs. Learn about the benefits of only paying interest on the outstanding balance and see why ACF is your trusted partner in real estate financing. Watch now to see how we can empower your fix & flip projects and turn your property dreams into reality.

Schedule Now

Overview: ACF Fix & Flip Educational Program

Dive into the essentials of American Capital Funds Group's Fix & Flip Loan Program with this concise 2-minute educational explainer video. Learn how our financing solutions can help you maximize your real estate investments by covering up to 90% of the purchase price and 100% of renovation costs. Understand the importance of structuring your acquisitions based on lending programs to enhance your chances of securing financing. Watch now to see how ACF empowers real estate investors with the knowledge and resources needed to succeed in the competitive market. 

Schedule Now

Short-Terms Programs

LOAN PROGRAM MATRIX

 "All loan programs and terms are subject to change based on the lender partner selected for your loan. Loan availability, rates, and conditions may vary and are determined by the specific criteria and policies of the lender. Please consult with your ACF broker to understand the latest program details and how they apply to your specific financing needs." 

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