Buy. Renovate. Profit.
Purpose-built financing for residential renovation projects. Acquire the property and fund the rehab with a single loan. Fast closings for competitive markets.
24 hrs
Pre-qualification turnaround
10 days
Average close time
78%
Repeat borrower rate
Why RECO Capital
We specialize in fix & flip financing
Acquisition + Rehab in One Loan
Fund the purchase price and renovation budget in a single loan. No need for multiple funding sources.
Draw-Based Rehab Funding
Renovation funds are released in draws as work progresses. Complete a phase, get paid, move to the next.
ARV-Based Lending
We lend based on the After Repair Value, not just the as-is price. Strong renovation plans unlock more capital.
Experienced Flipper Programs
Repeat investors with a track record get streamlined approvals, better terms, and priority processing.
Common Use Cases
- Full gut renovation projects
- Cosmetic rehabs and light renovations
- Multi-property flip portfolios
- Auction and foreclosure acquisitions
- New construction spec homes
- Bridge-to-DSCR rental conversions
Our Process Timeline
How It Works
Your path to funding
Every application goes through our full process. Terms are determined by your unique profile, credit, business history, and deal specifics.
Submit Your Deal
Property address, purchase price, rehab budget, and ARV.
Get Pre-Qualified
We evaluate the deal and your experience within 24 hours.
Scope & Underwrite
Property inspection, appraisal, and renovation scope review.
Custom Terms
Loan terms based on the deal economics and your track record.
Close, Rehab, Sell
Close fast, draw rehab funds as you build, sell for profit.
Get Started
Request Your Pre-Qualification
Fill out the form below and our team will send your personalized document checklist within 30 minutes. No obligation, no impact on your credit.
FAQ
Common Questions
Ready to discuss your fix & flip financing?
Apply in under 10 minutes. No obligation. Terms based on your unique profile.
Start Your Application