Where Can I Apply for a Fix and Flip Mortgage Online?

If you’re an investor looking to buy, renovate, and resell a property for profit, a Fix and Flip mortgage is one of the most powerful financing tools available. But with so many lenders in the market, how do you know where to apply — and more importantly, which lender truly understands the needs of real estate investors?

At Ei8ht Street Funding, we make it simple to apply for a Fix and Flip mortgage online and get fast approvals tailored to your investment strategy. Whether you’re an experienced flipper or just starting your real estate journey, our streamlined process, transparent terms, and investor-first approach make financing your next project faster and easier than ever.

Which Mortgage Companies Specialize in Fix and Flip Loans?

Not all lenders understand the speed and flexibility required in real estate investing. Traditional banks often take weeks (or even months) to approve loans and have strict guidelines that can kill deals before they start.

That’s why real estate investors turn to private lenders like Ei8ht Street Funding, which specialize in Fix and Flip financing.

Ei8ht Street Funding focuses exclusively on investment property loans, including Fix and Flip, Ground-Up Construction, and Long-Term Rental programs. We offer:

• Quick closings (often in 7–10 business days)

• Common-sense underwriting focused on the property and deal, not just your credit score

• Nationwide coverage in most states

• Flexible loan structures designed for real-world investors

Our team understands investors because we work with them every day — ensuring you get the leverage and speed you need to capitalize on profitable opportunities.

How to Qualify for a Fix and Flip Mortgage with Bad Credit

One of the biggest myths about Fix and Flip loans is that you need perfect credit to qualify. In reality, Ei8ht Street Funding evaluates the strength of your deal, not just your score.

Here’s how you can still qualify, even with less-than-perfect credit:

1. Strong Equity or Down Payment – We can approve deals where you bring solid skin in the game. Lower leverage means lower risk, which improves your approval odds.

2. Solid Exit Strategy – Demonstrating how you’ll complete and sell or refinance the property increases confidence in the deal.

3. Experience Helps (But Isn’t Required) – If you’ve completed previous flips, that’s a plus. If not, Ei8ht Street Funding still works with first-time investors by reviewing your rehab plan and contractor experience.

4. Proof of Reserves – Showing that you have funds to cover the rehab and carry costs strengthens your profile.

At Ei8ht Street Funding, we understand that credit challenges shouldn’t prevent opportunity. We look at the full picture of your project — the property, your plan, and your potential.

What Loan Terms Do Specialty Fix and Flip Mortgage Companies Offer?

Fix and Flip loans are structured differently from traditional mortgages because they’re designed for short-term use. Ei8ht Street Funding’s Fix and Flip (Residential Transitional Loan) program offers:

• Loan Terms: Typically 12 to 18 months, with extensions available

• Leverage: Up to 90% of purchase price and 100% of rehab costs (not to exceed 75% of ARV)

• Interest Rates: Competitive, market-based rates that reward strong deals and experience

• Interest-Only Payments: Keeps monthly costs lower during the renovation period

• No Prepayment Penalties: Sell anytime without penalty once your project is complete

Every loan is custom-tailored, so you can choose the structure that best supports your investment goals.

What Are the Typical Fees and Closing Costs for Fix and Flip Mortgages?

Understanding the full cost of your loan is key to maximizing profit on your flip. While fees vary by lender, you can generally expect:

• Origination Fee: 1–2% of the loan amount

• Appraisal Fee: Based on property size and location

• Title & Escrow Fees: Standard for closing any real estate transaction

• Inspection or Draw Fees: For funding rehab draws during construction

Ei8ht Street Funding prides itself on transparent pricing — no hidden junk fees, no surprises at closing. We provide clear estimates upfront so you can budget confidently.

Best Fix and Flip Mortgage Lenders for First-Time Real Estate Investors

If you’re a first-time investor, the right lender can make or break your first deal. You need more than just money — you need a partner who can guide you through the process.

Ei8ht Street Funding is consistently rated among the best Fix and Flip lenders for new investors because we combine fast approvals with real-world guidance. Our team walks you through everything from the loan structure to the draw process, ensuring you feel confident every step of the way.

We also offer:

• Educational resources and investor tools

• Access to industry professionals (contractors, appraisers, title partners)

• Flexible programs for both new and experienced flippers

At Ei8ht Street Funding, we don’t just fund deals — we help build investors.

Apply for a Fix and Flip Mortgage Online Today

Ready to get started? Applying for a Fix and Flip mortgage with Ei8ht Street Funding takes just minutes.

✅ Visit www.Ei8htStreetFunding.com✅ Click “Apply Now”✅ Complete our simple online application✅ Get pre-approved and start your next investment project

With Ei8ht Street Funding, you get more than a loan — you get a partner that knows the deal.

Ei8ht Street Funding — Real Investors. Real Funding. Real Fast.