Fix & flip loans, direct from the lender.
Hard money without the middleman, in two programs: Silver, our best rate, from 8.99%* with up to 90% of the purchase, or Max Leverage, up to 95% of the purchase. Both fund 100% of the rehab in draws we run in-house, up to $4.5M and 24 months, and the monthly payments can be financed.
On every construction and fix & flip loan
Two programs. Pick the rate or the leverage.
| Term | SilverBest rate | Max LeverageUp to 95% of purchase |
|---|---|---|
| RateSet by experience, credit, leverage and the property. | From 8.99%* | From 9.75%* |
| PurchaseOf the purchase price, advanced at closing. | Up to 90% | Up to 95% |
| RehabHeld at closing and released in draws as the work is done. | Up to 100% | Up to 100% |
| Total cost (LTC)Of purchase plus rehab. | Up to 92.5% | Up to 100% |
| After-repair valueOf the appraised value once the work is done. | Up to 75% | Up to 75% |
| OriginationOf the loan amount, paid at closing. | 1.25 points | 1.75 points |
| Loan amountOn 1–4 unit residential investment property. | Up to $4.5M | |
| TermExtend for 0.5 points per three months if the project runs long. | Up to 24 months | |
| Monthly paymentsThe interest can be built into the loan, so nothing comes out of pocket each month while you renovate. | Can be financed | |
| Earned interestNo minimum-interest charge if you pay off early. | Zero minimum | |
| ExperienceMore completed projects unlock higher leverage and sharper pricing. Representative credit score from 600. | First-time investors welcome | |
Which one? Silver when the lowest rate matters most; Max Leverage when bringing less cash to closing does. The example below shows both on the same deal.
The same flip, sized both ways.
Silver: $270,000 toward the purchase at closing and $75,000 held for draws; origination at 1.25 points is $4,312.50, and interest from 8.99% once fully drawn is about $2,584.63 a month. Max Leverage: $285,000 toward the purchase; origination at 1.75 points is $6,300.00, and interest from 9.75% about $2,925.00 a month. Interest can be financed on both. Example figures plus closing costs, not a quote. Run your own deal in the fix and flip calculator.
Term sheet to final draw, one team.
Price it instantly
Run the term sheet tool: leverage, rate and cash to close in seconds. No credit pull.
Apply & sign terms
Send the purchase contract, the scope of work and your entity documents.
Appraisal & review
We underwrite the deal and the rehab budget, and the appraisal sets the after-repair value.
Close
In as little as two weeks from a signed application on eligible deals.
Draw & build
Request each draw in the portal, inspected virtually or on-site, and funded in minutes once approved.
The best of the best. Closed in under two weeks, with no hidden fees.
Fix and flip loan questions
How much can I borrow on a fix and flip loan?
On Silver, up to 90% of the purchase price and 100% of the rehab, capped at 92.5% of total cost and 75% of the after-repair value. On Max Leverage, up to 95% of the purchase and 100% of the rehab, capped at 100% of total cost and 75% of value. The loan is the lowest of those limits, up to $4.5M on 1–4 units.
What are your fix and flip rates?
Silver starts at 8.99%* with 1.25 points; Max Leverage starts at 9.75%* with 1.75 points, for experienced, well-qualified borrowers. Your rate depends on experience, credit, leverage and the property; the term sheet tool shows yours in seconds, with no credit pull.
What is the difference between Silver and Max Leverage?
How much of the purchase we fund and what it costs. Silver is our best rate at up to 90% of the purchase; Max Leverage goes up to 95% of the purchase, so you bring less cash, at a higher rate and origination. Same draws, same team, same speed.
Are you a hard money lender or a broker?
A direct private lender, which many investors call hard money. We underwrite, close and fund the draws ourselves: one team from term sheet to final draw.
Do you lend to first-time flippers?
Yes. We work with first-time investors and a representative credit score from 600. More completed projects unlock higher leverage and better pricing.
Do I have to make monthly payments during the rehab?
Not out of pocket. The interest can be financed into the loan, so you are not paying it monthly while you renovate.
What is a fix and hold loan?
The same loan for a property you will rent instead of sell. When the rehab is done and the property is leased, refinance into a 30-year DSCR loan with us: one lender for both steps.
How do rehab draws work?
The rehab budget is held at closing and released as the work is done. Request a draw in our online portal with photos and invoices; inspection is virtual or on-site, and approved draws are funded in minutes. How our draws work.
What if I need more time?
Extend for 0.5 points per three months, up to the program’s limits. There is no minimum earned interest, so paying off early costs nothing extra.
Send us the deal. We’ll send back the structure.
The purchase price, rehab budget and after-repair value, or run the numbers yourself in the term sheet tool.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.