Our loan program

Fix & Flip Loans

Center Street Lending Fix & Flip loans are exclusively for non-owner-occupied residential real estate properties that are rehabbed and sold. Or, held and rented. These loans are Portfolio Loans that are not connected to any Government Agency.

Up to
85%
LTC/LTV
100%
Construction
Costs
75%
ARV
6 - 18
Months
$100k up to $2.5M+

Apply now

Someone will reach out to you within 24 hours to talk to you about your funding scenario.

How do Fix & Flip Loans Work?

We fund into LLC’s with borrowers who have completed at least 2 properties in the past 12 months. Underwriting is based on predicate experience, credit, background and capital liquidity. Our focus is to understand your business.

  • Max LTV 85% on purchase or 100% rehab
  • Rates from 7.5%
  • 6 to 18 month flexible terms
Adam Vaughn
This was my first time using a lender for a flip, and I have been impressed with the access and the great communication of the team at Center Street. Their rates are also slightly better than competitors that I've spoken to. Justin has been an awesome partner and Hannah has offered her support as well. I look forward to a long term relationship with Center Street.

Fix & Flip Program Criteria

1

3+ Fix & Flips completed in the last 24 months

2

$100,000 – $2,500,000+ non-owner occupied property

3

2 months of recent bank statements

4

Score and background check

Work with us

States we lend

USA-Map-2 1

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

Property Types We Fund

We lend on single-family residence, 2 to 4 units, townhomes, planned unit developments, or condominiums. All properties must be non-owner occupied. Foreign nationals are subject to a lower loan to cost (LTC) and loan to value (LTV) thresholds.

Rebecca Smith
Jeremiah at Center Street Lending was awesome. We were looking for a rehab loan for a fix & flip property and he was able to offer us the best terms, a quick closing, stellar communication, and an overall great experience. He was transparent, easy to reach, and completely came through for us. The process was really smooth and easy, even during the holidays. I strongly recommend working with Jeremiah and Center Street.

Ready to take the next step?

We do everything we can to make sure your clients are successful, and their loan process is easy. As a direct lender your clients won’t suffer from funding delays which means a faster close and a better result.