Email: info@capehenrycapital.com or Call: (757) 267-9495
Fix and Flip Loans for Real Estate Investors
You found the deal. Now you need capital that moves as fast as you do.
Cape Henry Capital provides fix and flip financing built specifically for real estate investors - from first-time flippers with a strong deal to experienced operators scaling across multiple markets natinowide. Fast approvals, up to 90% of total project cost, and 100% of renovation costs covered through a structured draw schedule.
How a Fix and Flip Loan Works
A fix and flip loan bundles your purchase price and renovation budget into a single short-term loan. Here's how the funding flows from offer to exit:
1. Pre-Qualify Before You're Under Contract
Apply in under 10 minutes and receive an instant pre-qualification letter. Know your leverage and approval terms before you make an offer - so you can move quickly when the right deal appears.
2. Close and Fund the Purchase
Cape Henry Capital funds the acquisition. Renovation funds are held in a dedicated draw account and released in stages as work is completed - you don't borrow the full rehab budget on day one.
3. Draw Renovations as Work Is Completed
After each phase of construction, an inspection verifies progress. Once approved, the next draw is released. You pay interest only on what's been drawn to date, not the total loan balance.
4. Sell or Refinance on Your Timeline
Interest-only terms run 12, 18, or 24 months. When the renovation is complete, sell and pay off the loan - or if the property cash flows, refinance into a DSCR rental loan and hold it long-term.
Who Qualifies for a Fix and Flip Loan?
Experienced Investors
If you've flipped before, the approval process is straightforward. What matters most is deal quality: purchase price, renovation scope, after-repair value (ARV), and your exit strategy. Cape Henry works directly with decision-makers - no layers, no delays, no deals that get kicked back after a week of waiting.
Bring us the deal. We'll tell you where you stand within 24 hours.
First-Time Fix and Flip Investors
Yes, you can qualify. Experience is one factor we consider - it's not a dealbreaker.
What carries more weight for a first-time flipper:
A deal with clear upside. Sufficient spread between total project cost and ARV is the most important number in the file.
A licensed, experienced contractor. Your contractor's track record reduces the execution risk lenders care most about.
A defined exit strategy. Know whether you're selling or refinancing, and why that exit is realistic for the market and timeline.
Skin in the game. Having your own capital in the deal signals commitment and can offset limited investment experience.
If you're not sure whether your first deal qualifies, the best move is a conversation before you're under contract. We'll tell you exactly where you stand - no runaround.
Run Your Numbers Before You Make an Offer
The best fix and flip investors don't guess - they model. Our free Fix & Flip Loan Calculator lets you input your purchase price, renovation budget, estimated ARV, and expected hold time to see your total project cost, estimated interest carry, and projected profit on exit.
Know your spread before you're under contract.
Fix and Flip Loan vs. Bridge Loan: What's the Difference?
These terms are often used interchangeably, and in practice, a fix and flip loan is a type of bridge loan - but the distinction matters when you're shopping lenders.
A bridge loan is the broader category: short-term financing that "bridges" you between a purchase and your exit, whether that's a sale, a refinance, or completion of a construction project.
A fix and flip loan is a bridge loan structured specifically around property acquisition and renovation - with a built-in draw schedule for rehab funds, underwriting based on after-repair value, and terms calibrated to a renovation-and-sale timeline.
At Cape Henry Capital, our bridge loan program covers fix and flip, construction completion, and short-term cash-out refinancing. If you're buying to renovate and sell, the fix and flip structure is the right fit. If your deal is more complex - mid-project completion, portfolio equity access, or a non-standard exit - the broader bridge program may apply.
Not sure which fits? Talk to us - we'll match the structure to your deal, not the other way around.
Have a Deal in Mind? Tell Us About It
Didn't find what you are looking for? Check out our Fix and Flip lending post for more info or complete the form and one of Fix & Flip specialist will give you a call.
Tailored loans for real estate investors.
info@capehenrycapital.com
p. 757-267-9495
© Cape Henry Capital, LLC. 2023 All Rights Reserved. NMLS # 2383447.
Capehenrycapital.com is a website operated Cape Henry Capital, LLC, a Delaware limited liability company (“Cape Henry Capital”). By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy. The use of this website does not constitute an application for a mortgage loan or an offer by Cape Henry Capital to lend.
Cape Henry Capital is a mortgage broker and not a lender. Cape Henry Capital is licensed in FL,GA,PA,SC,TX. Please visit www.nmlsconsumeraccess.org for more licensing information.
Mortgage loan products referenced in this website are offered to qualified borrowers for business or commercial purposes only and may be secured by non-owner-occupied properties only.
Origination fees and other fees may apply. Financing is subject to certain restrictions and requirements including, but not limited to, due diligence, credit evaluation, and approval of the subject property. To qualify, borrowers must meet underwriting requirements. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate. The actual loan rate and terms depend on a variety of factors. Actual rates, terms, and conditions are subject to change from time to time without notice.
Cape Henry Capital’s principal business address is 500 Studio Drive, Suite 101, Virginia Beach, VA 23452
1340 N. Great Neck Road, Suite 1272, #191 Virginia Beach, VA 23454
