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Brickline helps real estate investors across California finance eligible investment-property deals using Fix and Flip Loans designed for situations where renovation, value creation, and a clear exit strategy are key.
Investors may use this financing for eligible acquisitions, property improvements, and repositioning strategies that fit the program before moving toward the planned sale or refinance.
California Financing
Fix and Flip Loans are useful when an investment property requires significant renovation or repositioning to achieve its full market potential. This financing supports investors focused on creating value through property improvements.
For investors, the right structure depends on the property’s current condition, the scope of the renovation, the project timeline, and the intended exit strategy, whether it’s a quick sale or a refinance.
Brickline reviews the financing request around the property, borrower profile, program guidelines, and investment plan to help move qualified fix-and-flip deals toward successful completion.
Loan Programs
Different investment strategies may require different loan structures. Brickline offers financing across several common real estate investor scenarios.
Short-term financing for eligible investment property acquisitions, rehabs, and transitional situations.
LTC: 90% of purchase + 100% of Rehab
Longer-term rental financing where property cash flow plays a central role in qualification.
LTV: 90% of purchase + 100% of Rehab
Short-term financing for eligible acquisitions, refinances, and transitional investment properties.
LTV: 90% of purchase + 100% of Rehab
Financing for eligible ground-up investment projects built around the construction plan and project timeline.
LTV: 90% of purchase + 100% of Rehab
Common Uses
Finance the purchase of a distressed or undervalued property and fund the necessary renovations to prepare it for a profitable resale.
Support extensive renovation projects that significantly increase a property’s value, transforming it for the market.
Secure financing quickly for auction purchases or other time-sensitive deals where speed is crucial for acquisition and subsequent renovation.
Fund renovations with the intent to refinance into a longer-term rental loan, converting a value-add project into a stabilized income-producing asset.
California Deals Markets
The success of a fix and flip project in California, like anywhere, hinges on a solid investment plan, a realistic renovation budget, and a clear exit strategy. Fix and flip financing is designed to support these value-add endeavors.
Whether the property is in a high-demand area or a developing market, the financing approach prioritizes the project’s potential, the investor’s experience, and the viability of the planned sale or refinance.
Online Process
Start with the property and financing request, provide the required information as the file progresses, and keep a clearer view of what is needed at each stage.
deal is moving forward. The result is a process that feels cleaner, more transparent, and easier to move through from first quote to closing.
Share the property, financing request, and investment strategy.
Provide the information and documentation needed for review.
See outstanding steps and respond as the financing request progresses.
Get investor-focused support
How It Works
Provide the property, financing need, and investment plan.
Brickline reviews the request against the relevant program.
Review the proposed financing structure and next requirements.
Provide the documentation and information required to move the file forward.
Once approved and ready, complete the remaining steps toward closing and funding.
Learn how Fix and Flip Loans work, where they may fit, what Brickline reviews, and what investors should consider before moving forward with their California projects.
A Fix and Flip Loan is a business-purpose real estate investor loan designed for acquiring and renovating investment properties with the intent to sell or refinance them after value-add improvements. It’s tailored for projects where the property’s condition requires significant work.
These loans are commonly used for purchasing distressed properties, funding renovation costs for value-add projects, and bridging the gap until a property is ready for resale or a longer-term refinance. They are ideal for investors focused on creating equity through rehabilitation.
Yes, Fix and Flip Loans are structured to finance both the acquisition of an eligible investment property and the budget for its renovation. The loan amount is typically based on the property’s purchase price and the estimated after-repair value (ARV).
Brickline evaluates the property’s potential, the proposed renovation plan and budget, the investor’s experience, and the viability of the exit strategy (resale or refinance). The focus is on the overall strength of the project and the investor’s ability to execute.
Eligible properties typically include single-family homes, multi-family units, and other residential investment properties that require renovation or repositioning. The property’s current condition and its potential after improvements are key factors.
Fix and flip projects are generally short-term, often ranging from a few months to a year, encompassing acquisition, renovation, and sale or refinance. The loan terms are structured to align with these expedited project timelines.
Fix and Flip Loans are usually repaid through the sale of the renovated property or by refinancing into a longer-term loan, such as a DSCR rental loan, once the property is stabilized and generating rental income.
Why Brickline
Brickline focuses on business-purpose real estate financing rather than consumer homebuyer mortgages.
The property, financing structure, and investment strategy stay central to the process.
Digital-first process
Clear next steps
Investor Resources
Explore Brickline guides, calculators, and resources covering loan structures, deal metrics, qualification, and common investor financing questions.
deal moves forward.
Tell Brickline about the property, financing need, and investment plan.
Start online to explore the next step for your financing request.
