Fix & Flip Loans

Fix & flip loans are short-term, asset-based loans designed specifically for real estate investors who purchase distressed or undervalued properties, renovate them, and sell for a profit. Unlike conventional mortgages, these loans are underwritten on the property's after-repair value (ARV) — not just the purchase price.

At AZ Consulting Partners, we understand that speed and flexibility are everything in this space. We cover both the acquisition cost and the renovation budget, so you can move on the right deal without tying up your own capital. Our team has worked with first-time flippers and seasoned investors alike — we know how to get deals to the finish line.

Find the Property

Identify a distressed, undervalued, or off-market property with strong ARV upside. Run your numbers and get a purchase agreement.

Get Funded

Submit your deal to AZ Consulting Partners. We review the property, scope of work, and ARV — then close in as little as 7–10 days.

Renovate

Draw renovation funds as work progresses. Our draw process is fast so your contractors stay paid and your timeline stays on track.

Sell & Profit

List the renovated property, close the sale, pay off the loan, and pocket the spread. Rinse and repeat.

Does a fix and flip loan cover renovation costs?

Yes, our fix and flip loans typically cover up to 90% of the purchase price and 100% of the renovation budget, as long as the total loan doesn't exceed 75% of the After Repair Value (ARV).

How do renovation draws work?

Renovation funds are released in draws as work is completed. After an inspection verifies the progress, funds are disbursed quickly to keep your project moving.