Fix & Flip | Fix to Rent

Get the capital you need to purchase and renovate investment properties with confidence. Our high-leverage loans offer up to 100% LTC and 80% ARV—designed to help real estate investors move quickly and maximize ROI.

Fix-and-Flip Loans for Real Estate Investors

Swell offers fast and reliable hard money loans for fix-and-flip or fix-to-rent projects. We provide high-leverage financing—up to 100% LTC and 80% ARV—so you can purchase and rehab investment properties with speed and confidence. Maximize your returns with flexible, investor-friendly terms and a streamlined funding process.

Lightning fast closings

Obtain pre-qualification letters 24/7 and close in as few as 3 days. Locking down the deal is the most important part of any real estate investment - nothing matters if you don't close the purchase!

Dedicated support team

Leverage our knowledgeable team (that happen to all be active real estate investors) from application to closing, utilizing real-time feedback and deal analysis to make swift decisions and ensure you are setup for a profitable exit.

Forget tradditional hassles

Stop chasing W2s and tax return paperwork, our loan programs eliminate traditional/conventional DTI underwriting and focus on: 1) Experience 2) Creditworthiness 3) Project Profitability 4) Liquidity

  • Loan Amounts: $75K - $5M
  • Rates: 8.50%-10.50% Interest Only
  • Points: 1.75%
  • LTC: Up to 100% (100% of Purchase, 100% of Rehab)
  • LTV: Up to 80% (1.15 DSCR @ Exit) or 75%
  • Term: 6-18 months (w/ extension options)
  • Geography: Nationwide (except for the following markets: SD, ND, WV)
  • Property Types: Residential (SFR & 2-4 Unit)
  • Prepayment Penalty: None, Payoff the loan at anytime
  • Credit Score: 600 Minimum (Leverage adj. @ <680)