Finance Your Rehab Project Now, Then Convert to Long-Term Financing Later
Looking to buy, renovate, and keep a property as a rental? A Fix to Rent loan gives you short-term funding to complete the rehab—and then lets you easily transition into long-term financing once the work is done.
This strategy is ideal for investors who want to maximize equity, improve cash flow, and build a strong rental portfolio—all with fewer financing headaches.
Why Use a Fix to Rent Loan?
Buy undervalued or distressed properties
Fund renovations upfront without using personal savings
Easily refinance into a DSCR or rental loan after rehab
Increase property value before holding as a rental
Ideal for BRRRR investors (Buy, Rehab, Rent, Refinance, Repeat)
How It Works
The Fix to Rent loan is typically structured in two parts:
1. Short-Term Rehab Loan
Up to 90% of purchase price
Up to 100% of rehab costs
Terms from 6–18 months
No personal income docs required
Fast closing in as little as 7–10 business days after application
2. Takeout/Exit Loan (DSCR Refinance)
Long-term financing based on rental income (DSCR)
Up to 80–85% LTV on the new appraised value
No tax returns or W-2s needed
Interest-only and cash-out options available
Example Scenario
Investor purchases a distressed duplex for $220,000 Renovation cost: $60,000
After-repair value (ARV): $375,000 FMP funds purchase + rehab: $280,000 total loan Property is rented for $3,400/month Investor refinances into a DSCR rental loan at 75% LTV → Pulls out equity and keeps strong monthly cash flow
Ideal For:
BRRRR strategy investors
Buy-and-hold landlords who want to add value
Investors who want flexibility at each stage of a project
Self-employed borrowers or LLC buyers
Real estate investors building long-term wealth
What You’ll Need
Purchase contract
Rehab budget & scope of work
Rental strategy (estimated rents or lease in progress)
Exit plan: Refinance to DSCR loan (we help with that!)
Ready to Build Wealth Through Fix to Rent?
Let us help you finance both the transformation and the long-term income. From purchase to rehab to refi—we’ve got you covered every step of the way.
Fix and Flip Loans Made Simple: Fast Capital for Fast Movers
Need quick cash to fund your next flip? Fix-and-flip loans are designed for speed, simplicity, and investor flexibility—no income verification required.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
Kyrie Petrakis @reallygreatsite
“Acquisition & Rehab to DSCR, FMP made it seamless.They funded 80% of my duplex purchase and 100% of the rehab. Once the work was done, they refinanced me into a 30-year DSCR loan—lower payment, better cash flow. Smooth and simple!”
Derek S
@reallygreatsite
“They got my flip funded fast!”
FMP delivered 75% of the purchase and 100% of the rehab—right on time for a competitive Fix & Flip. They understood the project, the numbers, and my goals. I made a hefty profit in just a few weeks and I’m coming back for the next one.
Francisco Andrade @reallygreatsite
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
Francisco Andrade @reallygreatsite
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
Francisco Andrade @reallygreatsite
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”