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Brickline helps New York real estate investors finance eligible fix and flip projects using loans designed for value-add investment properties where renovation and a clear exit strategy are key.
Investors use this financing for eligible acquisitions, comprehensive property improvements, and repositioning strategies before a planned resale or refinance.
New York Financing
Fix and flip loans are essential for investors in New York who target properties requiring significant renovation to unlock their full market potential. This financing is tailored for projects where the property’s current condition and the investor’s improvement plan are central.
The right financing structure for a fix and flip depends on the property’s acquisition cost, the scope of the renovation, the projected after-repair value (ARV), and the investor’s experience in managing such projects.
Brickline reviews each fix and flip financing request based on the property’s potential, the proposed renovation budget, the borrower’s profile, and the overall investment strategy to support qualified deals.
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 and full renovation of properties in New York that require significant work to become market-ready.
Fund extensive rehabilitation projects where the property’s condition demands substantial capital for improvements and upgrades.
Secure financing for properties acquired through auctions or other time-sensitive opportunities, enabling quick closing and renovation.
Capitalize on value creation by renovating a property with the clear intention of selling it for profit or refinancing into a long-term rental loan.
New York Deals Markets
For investors in New York, fix and flip financing is driven by the specific investment property, its current condition, the proposed renovation plan, and the projected after-repair value. The success of a fix and flip project hinges on a well-defined strategy and efficient execution.
Whether dealing with a single-family home or a multi-unit property, investors should clearly define the renovation scope and have a solid exit strategy, either through a quick sale or by refinancing into a long-term rental loan.
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 New York projects.
Fix and Flip Loans are business-purpose financing solutions for real estate investors in New York who plan to purchase an investment property, renovate it, and then sell it for a profit or refinance it into a long-term loan.
Eligible properties typically include single-family homes, multi-unit dwellings, or other residential investment properties that require renovation or rehabilitation to increase their market value. The property’s potential after renovation is a key factor.
Yes, fix and flip loans are designed to finance both the acquisition of an eligible investment property and the costs associated with its renovation. The total loan amount is typically based on the purchase price and the renovation budget.
Brickline evaluates the property’s current condition, its projected after-repair value (ARV), the scope and budget of the renovation plan, the investor’s experience with similar projects, and the overall exit strategy.
Fix and flip loans are generally repaid through the sale of the renovated property or by refinancing into a longer-term financing solution, such as a DSCR rental loan, once the property is stabilized and generating income.
The timeline for a fix and flip project can vary significantly based on the renovation’s scope and complexity. Investors aim to complete renovations and exit the project efficiently to maximize returns.
Investors choose fix and flip loans when they have a clear strategy to add value to a property through renovation and intend to exit the investment in the short to medium term, either by selling or refinancing.
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.
