95% LTC fix & flip financing
A 95% LTC fix & flip loan funds up to 95% of the purchase price plus 100% of the rehab budget — capped near 75% of the after-repair value (ARV). That means you typically bring only ~5% of the purchase to closing while the lender funds the renovation through reimbursed draws. Qualr sends indicative 2-hour term sheets and closes in as few as 7–10 days.
What “95% LTC” means
Loan-to-cost (LTC) measures the loan against your total cost (purchase + rehab), not the finished value. At 95% LTC plus 100% of rehab, the lender covers nearly the entire project, so your out-of-pocket is mostly the ~5% down on the purchase plus closing costs and interim carry.
A 95% LTC numbers example
Purchase $300,000, rehab $80,000 (all-in $380,000), ARV $520,000. At 95% LTC the purchase loan is $285,000 and 100% of the $80,000 rehab is funded — total $365,000, well under the ~75% ARV cap of $390,000. You bring roughly $15,000 of the purchase plus closing costs, and draw the rehab back as work completes.
How rehab draws work
You fund or front a stage of work, submit for inspection, and Qualr reimburses the draw within 24 hours. This keeps the project moving without tying up your capital in materials and labor for weeks.
First-time flippers
First-time flippers are welcome with a 620+ FICO. Prior projects and stronger credit unlock the highest leverage, but a clean deal with a realistic ARV can qualify on its own merits.
Get a live, indicative term sheet from Qualr Capital — soft inquiry only, no hard credit pull.
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