BearCrestFunding
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BearCrest loan program

Fix & Flip Financing

Short-term financing for investors purchasing and renovating residential property for resale or refinance.

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The BearCrest advantage

Financing options built around your opportunity.

We offer Fix & Flip financing built around the property, renovation plan, and exit strategy. Qualifying projects may receive up to 100% of the purchase and renovation costs. We consider first-time investors, and select BearCrest programs begin around a 610 credit score.

Up to 100%Purchase + rehabOptions from 610 FICO

Who it’s for

Investors with a clear renovation plan, realistic budget, and defined exit strategy.

What we offer

A financing path built around the project.

  • Up to 100% purchase and renovation financing on qualifying projects
  • First-time and experienced investors may be considered
  • The property’s after-repair value helps determine available leverage
  • Options for light renovations, substantial rehabs, and fix-and-hold strategies

What we can consider

Where this program can fit.

  • Finance up to 100% of purchase and eligible rehab costs on qualifying deals
  • Consider first-time investors as well as experienced operators
  • Review 1–4 unit and select 5–9 unit residential projects
  • Structure a sale or refinance exit, including qualified fix-and-hold plans

Important limitations

What borrowers should know.

  • 100% financing does not mean no money is needed; closing costs, reserves, and carrying costs may still be required
  • Leverage is limited by the purchase, rehab budget, after-repair value, and local market
  • Final credit, experience, property, and liquidity requirements depend on the selected program

The process

From opportunity to a clear financing plan.

  1. 01

    Tell us about the property and purchase

  2. 02

    Provide your rehab scope and budget

  3. 03

    We evaluate the project, leverage, and exit plan

  4. 04

    Choose the financing structure that fits the deal

Important to know

Strong preparation matters: closing costs, carrying costs, reserves, and possible project changes should be planned before closing.

Have a property in mind?

Tell BearCrest about the property, the project, and what you want to accomplish.

Apply for Fix & Flip Financing