Fix and Flip Loans
Fast, flexible short-term financing to buy, renovate and sell your next project, with a clear path to refinance into a long-term rental if you decide to hold.
Short-term financing for value-add projects
Fix and flip financing is built around speed and the project itself. It helps investors acquire distressed or dated properties, fund improvements and exit through a sale or a refinance.
- Short-term financing for purchase and renovation
- Structured around the project and its after-repair potential
- Exit by sale, or refinance into a DSCR loan to hold as a rental
- Guidance from a team that understands investor timelines
Why investors choose Fix and Flip
Move fast
Short-term structures help you act on deals while the opportunity is there.
Fund the work
Financing designed to account for renovation, not just the purchase.
Flexible exit
Sell for profit, or transition into long-term DSCR financing.
Investor-minded team
Justus works with investors who need clear communication and fast answers.
Who it is for
- Investors flipping single-family or small residential properties
- Investors using a buy, rehab, rent, refinance strategy (BRRR)
- Experienced and newer investors with a defined renovation plan
- Buyers who need to move quickly on a competitive deal
From purchase to rehab to exit
Acquire
Identify the property and structure the purchase quickly.
Renovate
Plan the scope and budget of the work with your financing in mind.
Exit
Sell the property, or refinance into a DSCR loan and hold for cash flow.
DSCR financing in Ohio, Florida & Tennessee
Justus Sharp is licensed in all three states, so you work with one lender-direct team whether your next property is in the Buckeye State, the Sunshine State or the Volunteer State.
Ohio
Home base. Justus and the team are based in Grove City and know Columbus-area and statewide rental markets.
Florida
Long-term rentals, vacation properties and short-term rentals across Florida's investor markets.
Tennessee
Growing investor demand from Nashville to Knoxville, including Airbnb and mid-term rental strategies.
Fix and Flip questions answered
What is a fix and flip loan?
A short-term loan used to purchase a property and fund renovations, typically repaid when the property is sold or refinanced.
How is it different from a DSCR loan?
Fix and flip loans are short-term and project-based. DSCR loans are long-term rental loans that qualify on the property’s rental income. Many investors use both in sequence.
Can I refinance a flip into a rental loan?
Often, yes. If you decide to hold the property, a DSCR refinance may be an option, depending on value, income and program requirements.
How quickly can a deal move?
Timelines depend on the property, the borrower and the program. Contact Justus early so the structure is ready when you find the deal.
Do you offer this in Ohio, Florida and Tennessee?
Justus Sharp is licensed in these states and others. Contact us to confirm availability for your project.
Fix and flip loan terms, loan-to-value limits, renovation funding and eligibility vary by program and are subject to change without notice. This is not a commitment to lend.
Explore our other investor loans
DSCR Airbnb / STR
Financing for short-term rentals using the property's rental performance.
Learn more →Ready to scale your rental portfolio?
Tell us about the property and your goals. Justus and the team will help you find the right DSCR structure.