Short termFix-and-flip financing
Short-term project capital for purchase and renovation.
- Loan to cost
- up to 90%
- Rate range
- 9% – 13%
- Term
- 6 – 18 months
Financing
Capital readiness comes before capital
Students learn how lenders evaluate borrowers, properties, projects, and exit strategies — then assemble a complete Capital Ready file before requesting a financing consultation.
Education
Financing pathways covered
Illustrative structures and terms investors encounter. Ranges are educational examples only — final terms come from the lender.
Short term
Asset basedHard money
Asset-based lending with speed, points, and shorter terms.
- Loan to value
- up to 75% ARV
- Points
- 1 – 4 pts
- Term
- 6 – 24 months
NegotiatedPrivate money
Relationship capital with negotiated terms and documentation.
- Structure
- Debt or equity
- Rate range
- 8% – 14%
- Term
- Deal specific
RevolvingBusiness lines of credit
Flexible business-purpose liquidity for project costs.
- Line size
- $25K – $250K
- Rate range
- Variable
- Draw period
- Revolving
Equity basedHELOC strategies
Using existing equity responsibly as project capital.
- Combined LTV
- up to 85%
- Rate type
- Variable
- Draw period
- 5 – 10 years
PartnershipJoint ventures
Partnering on capital, experience, or execution.
- Capital split
- Negotiated
- Profit share
- 50/50 typical
- Term
- Project length
Long termDSCR exit financing
Refinancing a completed project into a rental hold.
- Loan to value
- up to 80%
- DSCR target
- 1.10x+
- Term
- 30-year options
Draw basedNew-construction financing
Draw-based funding for ground-up projects.
- Loan to cost
- up to 85%
- Rate range
- 9% – 13%
- Term
- 12 – 24 months
Rates, points, LTV, LTC, DSCR, and term figures shown are illustrative educational examples and are not offers, quotes, or commitments to lend. Potential financing pathways depend on the borrower, property, experience, liquidity, project, documentation, and exit strategy. All financing is subject to lender underwriting and approval.
Capital Ready Center
Your Capital Ready checklist
Administrators determine which documents may be uploaded. Social Security numbers and full credit reports are not collected or stored.
- Identification
- Entity documents
- EIN confirmation
- Business bank statements
- Personal bank statements when required
- Purchase contract
- Property analysis
- Scope of work
- Contractor bids
- Investor experience résumé
- Proof of liquidity
- Insurance information
- Exit strategy
- Requested loan amount
- Sources and uses
- Other lender-requested documents
FlipFund AI™ Academy provides education, software, and consulting support. It does not provide legal, tax, appraisal, construction, or investment advice. Enrollment and certification do not guarantee financing, property acquisition, or investment profit. Financing is subject to lender underwriting, documentation, program availability, property eligibility, and approval. Property values, comparable sales, repair estimates, contractor information, title, insurance, permits, zoning, and AI-generated projections must be independently verified before making an investment decision.