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Brickline helps real estate investors across Minnesota finance eligible investment-property deals using Fix and Flip Loans designed for situations where renovation, value creation, and a strategic exit are key.
Investors may use this financing for eligible acquisitions, property improvements, and comprehensive rehab projects before moving toward a planned sale or refinance.
Minnesota Financing
Fix and Flip Loans are useful when an investment property requires significant renovation or repositioning to achieve its full market potential. This financing is structured around the property’s current condition and its projected after-repair value (ARV).
For investors, the right financing for a fix-and-flip project depends on the scope of work, the project timeline, and the intended exit strategy, whether that’s a quick resale or a refinance into a longer-term hold.
Brickline reviews the financing request based on the property, the investor’s experience, the project budget, and the investment plan to help move qualified fix-and-flip deals forward.
Loan Programs
Different investment strategies may require different loan structures. Brickline offers financing across several common real estate investor scenarios.
Short-term, asset-based financing for time-sensitive acquisitions or transitional investment properties.
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
Temporary 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 and comprehensive renovation of an investment property that requires significant work to become market-ready.
Secure capital for eligible property improvements and repositioning strategies that increase the property’s value for resale or refinance.
Use fix and flip financing to close quickly on investment opportunities, such as auction purchases or properties needing rapid acquisition.
Finance the acquisition and renovation of a property with the intent to stabilize it and then refinance into a long-term rental loan.
Minnesota Deals Markets
For investors across Minnesota, the success of a fix-and-flip project hinges on a clear understanding of the property’s potential, the renovation scope, and a viable exit strategy. Fix and flip financing is designed to support these value-creation efforts.
Whether an investment property is in a major metro area or a smaller community in Minnesota, the core elements of a fix-and-flip deal remain consistent: a strong project plan, a realistic budget, and a well-defined path to resale 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 for your fix-and-flip project.
Provide the information and documentation needed for review, including your renovation plan and budget.
See outstanding steps and respond as the financing request for your flip progresses.
Get investor-focused support
How It Works
Provide the property, financing need, and investment plan for your fix-and-flip.
Brickline reviews the request against the relevant fix-and-flip program guidelines.
Review the proposed financing structure and next requirements for your project.
Provide the documentation and information required to move the file forward, including renovation details.
Once approved and ready, complete the remaining steps toward closing and funding your fix-and-flip project.
Learn how Fix and Flip Loans work, where they may fit, what Brickline reviews, and what investors should consider before moving forward with a project in Minnesota.
A Fix and Flip Loan is a short-term, business-purpose loan designed for real estate investors who plan to purchase an investment property, renovate it, and then sell it for a profit or refinance it into a long-term rental loan. It typically covers both acquisition and renovation costs.
Fix and Flip Loans are generally used for non-owner-occupied residential investment properties that require renovation. This can include single-family homes, duplexes, or other small multi-unit properties that are distressed or undervalued and have significant potential for increased value through improvements.
The renovation budget is a critical component of Fix and Flip financing. Lenders evaluate the proposed scope of work and associated costs to ensure they are realistic and contribute to the property’s after-repair value (ARV). Funds for renovation are typically disbursed in draws as work is completed.
Brickline evaluates several factors, including the property’s current condition and location, the investor’s experience, the project’s feasibility, the renovation budget, and the projected after-repair value (ARV). A clear exit strategy, whether resale or refinance, is also key.
Yes, Fix and Flip Loans can be suitable for a ‘rehab-to-rent’ strategy. In this scenario, the loan finances the acquisition and renovation, and once the property is stabilized and rented, the investor refinances into a long-term rental loan, such as a DSCR loan, to hold the property.
The timeline for a Fix and Flip project varies based on the renovation scope and market conditions. Investors aim to complete renovations and execute their exit strategy efficiently to maximize returns. Brickline understands the need for timely financing to support these project schedules.
Fix and Flip Loans are typically 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. The exit strategy is a key consideration during the loan application.
Why Brickline
Brickline focuses on business-purpose real estate financing rather than consumer homebuyer mortgages, understanding the unique needs of investors.
The property, financing structure, and investment strategy stay central to the process, especially for value-add projects like fix and flips.
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 to support your investment journey.
deal moves forward.
Tell Brickline about the property, financing need, and investment plan for your next fix-and-flip project.
Start online to explore the next step for your financing request and get your project moving.
