FIX & FLIP FINANCING

Capital Structured Around Your Flip.

Acquire, renovate, and exit with a financing strategy built around the economics of your project. Upperhand underwrites your deal first, then identifies the capital partners best suited to it.

Bring us the Deal

Up to 95%

LOAN-TO-COST

Up to 75%

LOAN-TO-ARV

100%

REHAB FINANCED

From 8.9%

RATE

Built for

Who this program is built for.

A quick read on the borrowers and deals this program fits best.

Investors buying distressed or under-market properties to renovate and resell

First-time flippers who need a lender that will actually close

Experienced operators who want maximum leverage and minimum cash in the deal

Program details

Everything on this program, in one place.

Loan amounts

$125K - $50M+

Term

6 – 18 months, interest-only

Prepayment penalty

None

Credit

FICO from 620

Rehab funds

Up to 100% of budget, draw-funded

Experience

Not required

Run the Numbers Before You Run the Deal.

Compare a sale or refinance exit while keeping each strategy’s assumptions intact.

Compare the exit before you commit.

Switch between a sale and a refinance hold strategy while preserving the inputs for each path.

Property State *Property TypePurchase PriceRehab BudgetInclude contingencyARVHold Period (months)Leverage (Loan-to-Cost %)

85%

Loan amount = leverage × (purchase price + rehab budget).Interest Rate (%)

Exit Strategy

Above the 70% rule.

Net Profit

$39,140

Estimated Loan Amount

$263,500

Loan-to-Cost

85.00%

Cash to Close

$69,360

Purchase Advance: $212,500

Rehab Funded: $51,000

Purchase Closing Costs: $5,000

Origination Points: $5,270

Interest Carry: $10,115

Holding Costs: $2,475

Monthly Tax (assumption): $208

Monthly Insurance (assumption): $104

Total Project Cost: $332,860

All-in Loan-to-Cost (incl. fees & carry): 79.16%

Maximum Offer: $220,000

Selling Costs: $28,000

Net Sale: $372,000

Loan Payoff: $263,500

Cash Returned: $108,500

Return on Cash: 56.43%

Annualized Return: 112.86%

Profit Margin: 9.79%

Projected returns are estimates based on user-supplied assumptions and are not a projection of investment performance.

Estimates for informational purposes only, not a commitment to lend or an offer of credit. Actual terms are subject to underwriting, appraisal, and lender approval.

Frequently Asked Questions (FAQ’s)

What loan programs does Upperhand offer?

Does Upperhand arrange loans for primary residences?

What geographic areas and property types are covered?

What is expected of a borrower during the financing process?

What loan programs does Upperhand offer?

Does Upperhand arrange loans for primary residences?

What geographic areas and property types are covered?

What is expected of a borrower during the financing process?

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