Charlotte Fix and Flip Loans - Fast Real Estate Investor Financing
What Is a Fix and Flip Loan?
A fix and flip loan is a short-term, asset-based loan for real estate investors looking to buy undervalued properties, renovate them fast, and resell for profit. These loans cover both the purchase price and rehab costs – with fast approvals and less focus on credit scores.
Is a Fix and Flip Loan Right for You?
On Point fix and flip loans are built for:
• Active real estate flippers
• Auction and foreclosure property buyers
• Investors needing fast, short-term funding
• Equity-backed borrowers with non-traditional income
• Repeat clients scaling real estate portfolios
Pros & Cons of Fix and Flip Loans
Advantages and Considerations for Real Estate Investors
- Fast closings in 7–14 days
- Covers purchase and renovation costs
- Flexible 6–12 month loan terms
- Ideal for real estate investors flipping homes
- Approval based on property, not just credit
- Great for auction and distressed properties
- Higher interest rates than traditional loans
- Short repayment period (6–12 months)
- Requires fast project turnaround
- Down payment or equity often needed
- Loan amount based on ARV, not full costs
- Not suited for long-term rentals or hold strategies
Top Reasons to Choose On Point Home Loans for Fix and Flip Financing in Charlotte NC
Local Lending Experts in Charlotte, NC
We’re not just lenders-we’re real estate investors too. That means we understand your timelines, margins, and markets.
Fix and Flip Loans Up to $1M for Real Estate Investors
Get fast, flexible fix and flip loans up to $1M - designed for serious real estate investors looking to finance renovations and resell quickly.
Fast Fix and Flip Loan Closings
Get pre-approved in 24 hours and close on your fix and flip loan in just 7–14 business days. Perfect for investors who need speed and reliability.
Fund Multiple Fix and Flip Projects at Once
Experienced investors can get approved for multiple fix and flip loans simultaneously - grow your portfolio without waiting on one project to finish.
Finance Both Property Purchase and Renovation Costs
Get full funding for your fix and flip - from acquisition to renovation. One loan covers both the purchase price and rehab budget.
Local Charlotte-Based Fix and Flip Lending Experts
Our Charlotte-based team provides hands-on support, fast draw approvals, and local market insight - helping real estate investors succeed from day one.
Fix and Flip Loans Up to $1M - No Appraisals, Fast Approvals
Fast funding to buy, renovate, and flip - backed by expert local lenders.
• Close on your fix and flip loan in just 7–14 days
• Loan amounts from $50K to $1M for flips of any size
• Zero junk fees or hidden charges – investor-friendly pricing
• Flexible 6–12 month loan terms for real estate investors
• No surprise costs – fully transparent fix and flip financing
• Available for single-family and 2–6 unit multifamily properties
Fix and Flip Loan FAQs for Real Estate Investors
Fix and flip loans in Charlotte typically range from 3 to 6 months, giving real estate investors the speed and flexibility to acquire, renovate, and resell properties for profit.
Fix and flip loans with On Point Home Loans can close in as little as 7–14 business days, with pre-approvals in 24–48 hours and fast draw turnaround times to keep your renovation on track.
On Point funds single-family homes and 2–6 unit multifamily properties, including distressed, auction, or foreclosure properties — perfect for flips with resale potential.
No traditional appraisals are required. We base our lending on project scope, market comps, and ARV, allowing faster funding and fewer delays.
Funds are typically released in draws tied to renovation milestones. On Point offers fast draw approvals so you can move quickly through your rehab phases.
A fix and flip loan covers both the purchase price and renovation costs of an investment property. These short-term loans are designed for real estate investors aiming to buy, rehab, and resell properties quickly. On Point’s fix and flip loans are based on the after-repair value (ARV) and offer fast funding with no junk fees.
