Fix and Flip Loans
Short-term financing to buy a property, renovate it, and sell or refinance it. We help Texas investors move fast on deals that traditional mortgages are too slow to catch.
Fix and flip loans (often called bridge loans) are short-term financing for buying a property, renovating it, and then selling it or refinancing it. They are built for speed and flexibility, so investors can act on opportunities quickly.
These loans focus on the deal, not just your paperwork: the purchase price, the renovation budget, and what the property will be worth once the work is done (the after-repair value). That makes approval faster and more flexible than a standard mortgage.
Whether it is your first flip or your fiftieth, timing decides deals. Jimmy D. Williams, TPRG Capital, NMLS #2692844 helps you line up financing quickly so you can make offers with confidence.
ARV-Based Sizing
Loans sized on after-repair value, not just purchase price.
Draw-Funded Rehab
Renovation budgets funded in stages as work completes.
Texas Licensed
Investor bridge lending under NMLS #2692844.
How do fix and flip loans compare to DSCR loans?
| Fix and flip | DSCR | |
|---|---|---|
| Purpose | Buy, renovate, exit | Buy and hold as a rental |
| Term | Short-term bridge | Long-term financing |
| Qualifying focus | The deal: purchase price, budget, after-repair value | The property\u2019s rental income |
| Renovation funds | Often included in the loan | Not included |
| Best fit | Value-add projects with a defined exit | Stabilized income properties |
Program guidelines vary by scenario. Contact us for options based on your situation.
Frequently Asked Questions
What is a fix and flip loan?
A fix and flip loan is short-term financing used to buy and renovate a property, then sell it or refinance it. It covers the purchase and often part of the renovation budget.
What is a bridge loan?
A bridge loan is short-term financing that bridges the gap until you sell the property or move into longer-term financing. Fix and flip loans are a common type of bridge financing for real estate investors.
Do I need experience to get a fix and flip loan?
No. First-time investors can qualify. Experienced flippers may unlock additional options, and your loan officer will match the program to your track record.
What happens when the renovation is done?
You either sell the property or refinance into a longer-term loan — many investors move into a DSCR loan and rent the property out instead. We help you plan the exit before you start.
How do I apply for a fix and flip loan with TPRG Capital?
Request a free quote or apply online, then a TPRG Capital loan officer will review your deal and recommend the best option for your situation. Call (972) 679-1613 to get started.
Ready to Explore Fix and Flip Loans?
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Get Started With Fix and Flip Loans
Flips are won at acquisition and financed on the exit. We size your loan on the numbers that matter: purchase, budget, and after-repair value.
Why borrowers choose Fix and Flip Loans
Bring the deal — address, purchase price, scope, comps — and we pressure-test the spread with you before you commit earnest money.
During the project, your loan officer keeps rehab draws moving on inspection so your crews never wait on funding.
From The Star in Frisco, we fund value-add projects across Texas under NMLS #2692844 — first flips through experienced-operator portfolios, with DSCR refinancing ready when you decide to hold.
Have a property under evaluation right now? Send the numbers today — speed is the whole point of this product.
For renovation-project consumer basics, see the CFPB\u2019s lending answers. When you are ready, request your free quote today.
This content is for general information only and is not a commitment to lend or an offer of specific terms. Program guidelines, qualification requirements, and terms are subject to change without notice. All loans subject to credit approval. TPRG Capital, Jimmy D. Williams, NMLS #2692844. Equal Housing Lender. Licensed in Texas.