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Investor

Fix & Flip 100

100% purchase + 100% rehab in most markets.

Built for active investors who need every dollar at the closing table. Finance the full purchase price plus 100% of rehab costs (capped at 70% ARV) on single-family, 2–4 unit, and townhome flips. No appraisal required in most markets, so funding moves at investor speed.

Highlights

  • Up to 100% LTC (purchase + rehab)
  • Up to 70% ARV cap on rehab budget
  • No appraisal required (most markets)
  • Loan amounts $50,000 – $500,000
  • 6-month term + 3-month extension option (1% extension fee)
  • 12% APR + 2% origination
  • Business purpose only — full recourse available
  • SFR, 2–4 unit, and townhomes
  • First-time investors with prior real estate experience eligible (case-by-case)
  • Heavy rehab subject to review
  • Borrower must be an LLC, LP, or corporation with an individual guarantor
Apply now(817) 482-3900

What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.

How funding works

  1. 1

    Send the address, purchase price, and rehab budget

  2. 2

    Term sheet issued same or next business day

  3. 3

    Title ordered; entity docs and guaranty signed in parallel

  4. 4

    Close in days — rehab draws funded as work is completed

Real borrower scenarios

Worked examples using the program's actual LTV and qualifying rules. Numbers are illustrative — your file determines your final terms.

First flip — $180k purchase, $60k rehab

100% LTV

LLC borrower with one prior wholesale deal

Financed Down payment
Property value
$240,000
Loan amount
$240,000
Down payment
$0
Cash to close (est.)
$8,000

100% of purchase + rehab funded; ARV $360k keeps loan inside the 70% cap.

Experienced flipper — portfolio velocity

100% LTV

5+ exits, recycles capital across three concurrent projects

Financed Down payment
Property value
$320,000
Loan amount
$320,000
Down payment
$0
Cash to close (est.)
$9,500

No appraisal — funded in 7 business days so capital stays deployed.

Max LTV by program

% of value financed at purchase — click a bar to open the program

Max loan amount

USD millions — click a bar to open the program

Indicative rate ranges

Lower band = best-case pricing. Hover for details, click to open the program.

Knowledge & insights

The 100% LTC structure means investors can keep cash reserves working across multiple deals instead of locking equity into a single property.

Because rehab is capped at 70% ARV (After Repair Value), the loan stays conservative from the lender's side even at full leverage on cost.

Apply now

Did you know?

  • Most flips in the U.S. carry a 5–6 month hold time — a 6-month term + 3-month extension matches the median project timeline almost exactly.
  • ATTOM data has shown that the average gross flip ROI nationally hovers around 25–30%; leverage on cost, not value, is what amplifies that return.
Apply now

Frequently asked questions

Quick answers about Fix & Flip 100. Not seeing your question? Talk to a loan officer below.

Do you really fund 100% of purchase and rehab?
Yes — purchase price and rehab budget can both be financed at 100%, as long as the total stays at or under 70% of the after-repair value (ARV).
How does underwriting work?
In most markets we underwrite the property and the borrower's experience. Appraisal and additional review may still be required at the lender's discretion in select markets.
Can a first-time investor qualify?
First-time investors with prior real estate experience (wholesale, agent, contractor, etc.) are eligible on a case-by-case basis with a stronger guarantor or partner.
Who can be the borrower?
An LLC, LP, or corporation — with an individual guarantor on the loan. This is a business-purpose loan, not a consumer mortgage.
Apply now

Get matched to Fix & Flip 100

Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.

By submitting, you agree to be contacted by The Local Loan Store™ by phone, text, or email about your inquiry — including by autodialer or prerecorded voice — even if your number is on a Do Not Call list. Consent is not a condition of credit and message/data rates may apply. You also agree to our Terms of Use, Privacy Policy, E-Sign Consent, and full state & federal application disclosures. We serve urban and rural markets. Applications are not accepted for property or businesses located in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA.

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