Stratton Equities’ fix and flip loan programs are tailored to provide real estate investors with quick access to funding. Like all our direct private money lending programs we ensure a hassle free and reliable loan process.


Throughout the underwriting stage of the fix and flip loan process, Stratton Equities will lend up to 90% of the purchase price, 100% of the rehab costs, and 75% ARV with experienced real estate investors. Our average closing time for the underwriting stage is an average of 7-14 days.

Fix & Flip Loans are asset-based loans, however they utilize more underwriting guidelines and criteria. While Hard Money Loans focus solely on the asset, Fix & Flip loans look at both the asset and the borrower.

The reason why people confuse Hard Money Loans with Fix & Flip Loans, are because both the loan and the laws are very similar - they are both private money to an investment property and bridge loans.

Virtually all fix & flip and hard money loans are funded by hedge funds, the money comes from the same place, but the underwriting is different.


Contrary to Hard Money Loans, Fix & Flip Loans are usually sold on the secondary market and goes through a full underwriting with tighter guidelines. For instance, depending on the lender, Fix & Flip loans have a minimum FICO requirement. Additionally, the borrower can’t have late payments, foreclosure, judgments, or bankruptcy on their credit for 24-36 months.

Furthermore, a Fix & Flip loan is a rehab loan, a loan that you utilize to acquire a property and then receive the funds to rehab that property in short term financing (12-18 months).

What are Fix and Flip loans?

How can you get a Fix and Flip Loan? 

Through Stratton Equities, the process of obtaining a fix and flip loan is a thorough but quick process. After finding the desired property, a prospective borrower will speak with a member of our loan officer team and pre-qualify for financing.  Once the underwriting criterion has been met, Stratton Equities will design an outline of the terms and overview of the loan.

4 Steps to Processing a Fix and Flip Loan

1. Pre-Approval

When a potential borrower applies for the pre-approval process at Stratton Equities, they go through a series of steps ensuring they receive the financing that best tailors to their investment needs.  After evaluating whether the project fits our lending criteria, we assess their previous experience, credit, and financial background.


All prospective borrowers should be prepared with their documentation of both their project needs and location, acquisition price, rehab, and proof of funds.


Our application and pre-approval process can easily be determined after a quick conversation with a leading Stratton Equities’ Loan Officer.

2. Processing & Underwriting

When a prospective borrower’s application goes through the underwriting & loan process, it goes through a review of the borrower’s documentation as well as a written proposed scope of the project plan.


Once the application has met our underwriting criteria we will schedule an appraiser to inspect the property.


As we proceed, we will ask for additional documentation that relates to the borrower’s experience, cash availability, income and credit. This process runs parallel to an evaluation and review of the project contractor/builder and the overall history of the property title and insurance.


At Stratton Equities, our loans can fund both individuals and entities, therefore we request our applicants to have the required formation documents and EIN for the entity.

3. Funding

After all the prospective borrower’s application and documents have been approved, we move on to the closing and funding process. 


During this process we require all of our borrowers to complete and sign the following documents; a mortgage, security agreement, personal guarantee, investment affidavit, and assignment of rents and leases.


Once everything is completed to the satisfaction of the underwriter and closing agent, the allocation of funds will be disbursed to the seller of the property or directly to the borrower.

4. Fix and Flip Draw Schedule

On a Fix and Flip Bridge loan, the Stratton Equities’ team will develop a Draw Schedule with the borrower that is utilized for the construction funds part of the requested loan.

Throughout this stage, an inspector will release the portion of the loan dedicated to the renovation or construction project in stages.

Once the Draw Schedule is approved by all parties, each payment installation will be transferred to the borrower or entity‘s bank account, after completion of each inspection.

The transfer of the funds after the draw request is usually 2-3 days to the designated bank account.

Hassle-free fix and flip loans

Closing Time

Stratton Equities' Fix and Flip programs are closed within an average of 7-14 days. Ensuring a quick, hassle free process for all prospective borrowers.

Underwriting Process

Stratton Equities has a flexible underwriting process that allows potential fix and flip investors to easily secure funding. 

Competitive Rates

Stratton Equities' loan amounts range from $75,000 to $5M. We fund fix and flip investments at interest rates starting at 6.99%-10.99% and returning borrowers receive preferred pricing.

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Stratton Equities | | 800-962-6613 | 28 Bloomfield Avenue, Ste 302, Pine Brook, NJ 07058

Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access . All loans are subject to full underwriting for loan approvals.