Fix & Flip Loans
Typical Terms
-
- Up to 75% loan-to-after-repair-value
- Up to 90% loan-to-cost, with a minimum 10% cash at closing
- 12% interest rate
- 2.5% origination fee ($3,500 minimum)
- $1,295 admin fee
- 12-month term with two 6-month extensions available
Process and Execution
-
- No junk fees
- No appraisals-internal valuations completed in 1-2 business days
- No draw fees-internal construction draw management
- No third-party inspections
- No prepayment penalty
- Loan decisions as quick as 2 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Typical Terms
-
- Up to 75% loan-to-after-repair-value
- Up to 90% loan-to-cost, with a minimum 10% cash at closing
- 12% interest rate
- 2.5% origination fee ($3,500 minimum)
- $1,295 admin fee
- 12-month term with two 6-month extensions available
Process and Execution
-
- No junk fees
- No appraisals-internal valuations completed in 1-2 business days
- No draw fees-internal construction draw management
- No third-party inspections
- No prepayment penalty
- Loan decisions as quick as 2 business days
- Extension fees: 0.50% if deferred or 0.40% if paid when extending
- Financing interest reserves may be available (subject to LTV/LTC)
Creative Investor Add-Ons
Equity Unlock
Borrowers with multiple properties or significant real estate equity may be able to cross collateralize assets to reduce or eliminate cash required at closing, subject to underwriting, collateral quality, and overall risk profile.
Land Division
An additional holdback may be available to reimburse approved costs related to land divisions on improved residential property, subject to city or county approval. Often used in fix and flip or rental rehab projects where excess land can be divided to create added value and future development potential.
Fix & Flip Loan Underwriting at Cetan Funds
Our underwriting process is designed to be practical, fast, and focused on the project. We typically review the following:
Borrower information, including background, experience, and track record
Property details, including description, photos, and purchase contract
Project details, including plans, budgets, timelines, and exit strategy
Personal Financial Snapshot
Real Estate Schedule, if applicable
Three months of recent bank statements
Credit check. Minimum 540 FICO. Waivers may be available
Express underwriting available for up to 3–5 loans or 1.5 million for qualified borrowers
No income verification required
Recently Funded Fix & Flip Projects
How Does a Fix and Flip Loan Work?
Cetan Funds offers fix and flip rehab loans to real estate investors
A fix and flip loan is a short-term rehab loan designed for residential real estate investors purchasing, renovating, and reselling properties for profit. These loans are commonly used to acquire distressed, foreclosed, or outdated homes that require improvements before resale.
Fix and flip loans provide fast access to capital so investors can move quickly on opportunities that may not qualify for traditional financing. Funds are used to acquire the property and complete renovations, after which the property is sold and the loan is repaid from sale proceeds.
At its core, a fix and flip rehab loan allows an investor to:
- Acquire a property quickly
- Renovate it to improve market value
- Resell the property and repay the loan at exit
When structured correctly, fix and flip loans are a practical tool for executing short-term, profit-driven real estate investment strategies.
Are you looking for a fix and flip rehab loan from a lender you can trust?
Working with Cetan Funds
How a fix and flip rehab loan works at Cetan Funds
At Cetan Funds, the entire lending process is handled in-house. This allows us to move quickly and structure loans with flexibility from initial inquiry through funding and beyond.
Underwriting decisions are typically made within 2 business days, and funding can occur as quickly as 7 days. Because we are a direct private lender managing our own capital, we make all underwriting and funding decisions internally. We do not broker or sell our loans, and there are no outside approval layers.
Cetan Funds is capitalized by pooled private equity from accredited investors. Loans are held in our portfolio rather than sold after closing. This structure provides consistency and reliability for borrowers, without exposure to secondary market disruptions or external funding constraints.
As a local Oregon-based lender, we focus on long-term relationships with professional investors. Many borrowers return to Cetan Funds for multiple fix and flip projects over time.
Our goal is simple: help investors execute profitable projects efficiently and reliably.
Are you looking for a fix and flip rehab loan for your Oregon real estate investment property?
Leveraging Your Hard Money Fix and Flip Loan
Experience that supports execution
The Cetan Funds team brings more than 60 years of combined lending and real estate development experience. That perspective informs how we evaluate projects, structure loans, and support borrowers throughout the life of a deal.
During the initial conversation, we focus on understanding the property, the renovation scope, and the resale plan. We are direct and practical in our feedback and are available to discuss strategy, timelines, and execution considerations before and after funding.
Our involvement does not end at closing. We stay engaged throughout the project, monitoring progress and working with borrowers as needed if plans shift or challenges arise. Flexibility is built into our fix and flip loan structures because real-world projects rarely go exactly as planned.
The objective is straightforward: complete the project, sell the property, repay the loan, and generate profit.
CONTACT US
Start your inquiry by filling out our contact form or call us directly at (458) 215-3200.