Fix & Flip Loans

Who are Fix & Flip Loans Suited For?

Center Street Lending Fix & Flip loans are exclusively for non-owner occupied residential real estate properties that are rehabbed and sold. Or, held and rented. These loans are Portfolio Loans that are not connected to any Government Agency.

Property Types We Fund

We lend on single-family residence, 2 to 4 units, townhomes, planned unit developments, or condominiums. All properties must be non-owner occupied. Foreign nationals are subject to a lower loan to cost (LTC) and loan to value (LTV) thresholds.

How do Fix & Flip Loans Work?

We fund into LLC’s with borrowers who have completed at least 2 properties in the past 12 months. Underwriting is based on predicate experience, credit, background and capital liquidity. Our focus is to understand your business.

We require a minimum score of 650+ and a $100,000 loan amount. All of our loans are serviced and underwritten in-house, for a 7 to 10 business day closing time. Once you have filled out an application and been pre-qualified for your loan you will need to provide specific documentation.

Fix & Flip Program Criteria

To get a Fix and Flip loan started you will need:

  • 3+ Fix & Flips completed in the last 24 months
  • A 650+ minimum score
  • $100,000 – $5,000,000+ non-owner occupied property
  • 2 months of recent bank statements
  • Score and background check


  • Max LTV 85% on purchase or 100% rehab
  • Rates from 7.14%
  • 6 to 18 month flexible terms

States We Lend

  • Arizona
  • California
  • Colorado
  • D.C.
  • Florida
  • Georgia
  • Maryland
  • North Carolina
  • Oregon
  • Tennessee
  • Texas
  • Virginia
  • Washington

Looking for lending in a state not listed? We do lend in other states on a case by case scenario. Give us a call to see what we can do for you.

Recent Deals


Jeremiah can answer all of my questions, so pleasant to deal with, hard-working, kept me informed and in the loop at every step.

Doug F.

There is no way I would have been able to close on my purchase in the time I did if it wasn’t for Center Street’s rapid funding. They were quick and efficient right down to every detail.

Barbara T.

I appreciate how professional the staff at Center Street has been. Even when things got a bit difficult, as they do during rehab projects, it was always a pleasure to speak with everybody at the office.

Jeremy D