Florida. — August, 2026 — Construction Mortgages is helping real estate investors secure the capital required to purchase, renovate, and reposition residential investment properties through its dedicated fix-and-flip loan program.

Designed for time-sensitive property transactions, the program provides an alternative to conventional bank financing, which may not accommodate the speed or flexibility required by real estate investors. Construction Mortgages evaluates the property’s current value, proposed improvements, renovation costs, and estimated after-repair value when determining financing.

Investors comparing fix and flip hard money lenders can access loan amounts of up to $5 million. The program offers financing of up to 80% loan-to-value, together with funding for up to 100% of the approved rehabilitation budget. These terms can help qualified investors preserve working capital while completing necessary repairs and improvements.

The program is available for non-owner-occupied investment properties and uses a stated-income structure with no income verification. Applicants generally require a minimum FICO score of 650. Foreign nationals may also be considered, giving international investors an additional route to financing eligible U.S. real estate projects.

Speed remains an important consideration in competitive property markets, where investors often need to move quickly to secure distressed or undervalued assets. Construction Mortgages can close eligible loans in five to seven days, subject to underwriting, documentation, property evaluation, and satisfaction of applicable lending requirements.

The company’s fix and flip bridge loans are structured with a 12-month, interest-only term. Borrowers do not pay interest on unused rehabilitation funds, helping align financing costs with the progress of the renovation. The program also carries no prepayment penalty, allowing investors to repay the loan after selling or refinancing the completed property without an additional early-payment charge.

Borrowers may hire a contractor or manage renovation work themselves. In either case, Construction Mortgages requires a detailed scope of improvements and an itemized cost breakdown. Investors managing their own projects are encouraged to obtain quotes from at least three contractors to validate projected expenses and establish a realistic renovation budget.

Additional program features include no upfront origination fee, no reserve requirement, and no seasoning or sourcing of assets. These provisions are intended to reduce common financing barriers while maintaining a structured review of the property and proposed business plan.

By combining acquisition financing with rehabilitation funding, Construction Mortgages supports investors throughout the primary stages of a fix-and-flip project—from purchasing the property to completing improvements and preparing it for sale or refinancing.

About Construction Mortgages

Construction Mortgages provides financing programs for real estate investors, including fix-and-flip loans, rehabilitation loans, and ground-up construction loans. Its underwriting, construction management, and servicing teams work together to support qualified investment projects with responsive financing solutions.

For further information about the fix-and-flip loan program, visit: https://constructionmortgages.com/fix-flip-loans/