Fix & Flip Loans

Up to 80% of purchase and 100% of rehab costs. Terms from 6 to 12 months.

Rates:
Competitive rates
Term:
6 to 12 months
LTV:
Up to 80% purchase + 100% rehab
  • Ideal for: Cosmetic flips, gut renovations, BRRRR deals.
  • Draws are funded within 48 hours of the initial request through our borrower portal.
  • Exit strategies: sell, refinance to a DSCR loan, or 30-year conventional.
Request Application

Fix-to-Rent (BRRRR)

Finance your buy, rehab, rent, refinance, and repeat strategy.

Rates:
Competitive rates
Term:
6 to 12 months
LTV:
Up to 80% purchase + 100% rehab
  • Ideal for: Building long-term rental portfolios.
  • Up to 80% purchase + 100% renovation financing.
  • Seamless transition to long-term rental financing.
  • Cash-out refinance available only after 90 days.
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Bridge Loans

Short-term capital for time-sensitive acquisitions or seasoning.

Rates:
Competitive rates
Term:
3 to 12 months
LTV:
Up to 75% LTV
  • Up to 75% LTV, interest-only payments, no prepayment penalty.
  • Gap financing while awaiting bank refinance.
  • Cash-out on free-and-clear rental for the next deal.
  • Auction purchases needing a fast close.
Request Application

Your Client Portal, All in One Place

Manage your entire loan lifecycle through our comprehensive online portal. Access everything you need 24/7 from anywhere.

Experience the Difference

No more chasing paperwork or waiting for updates. Everything you need is at your fingertips.

Portal access provided with every loanGet Started Today

Ready to Fund Your Next Deal?

Decisions in as little as 24 hours. Close in as little as 10 days. Soft credit pulls; appraisals may be required depending on the deal.

QUICK CALCULATOR

Estimate Your Monthly Payment

Get an instant estimate for your fix-and-flip or bridge loan

$
$50,000 - $500,000
Typical fix-and-flip: 6-12 months
%
Competitive rates

Monthly Interest Payment

$2,500

Interest-only payment for fix-and-flip loans

* This calculator provides estimates only. Actual rates and terms will be determined based on property details, borrower experience, and loan structure. Soft credit pulls; appraisal requirements vary by deal.

Frequently Asked Questions

Kaplan Lending specializes in financing non-owner-occupied investment properties, including fix-and-flip projects, rental properties, and distressed real estate that traditional banks won't touch. We fund deals based on the asset's value, not the borrower's credit score or income.

We offer short-term private money loans with terms from 6 to 12 months. Rates are competitive and depend on the deal structure. There are no prepayment penalties, so borrowers can repay early without extra cost. Our focus is speed, flexibility, and funding deals that make sense.

Kaplan Lending can close deals in as little as 10 days, depending on title and appraisal. We understand time is money, especially in real estate investing, so we move quickly and decisively.