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888-980-1809
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Fix & Flip Loans Built for Real Estate Investors

Qualify with rental income. No tax returns. No income ratio.
Apply Now
888-980-1809

LTC

95%

RATE

7.75%

CLOSING

10-21 Days

TERMS

12-24 Months

$100K - $4M
LOAN AMOUNTS

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What Is A Fix & Flip?

A Fix & Flip Loan is a short-term financing solution designed for investors who buy distressed or undervalued properties, renovate them, and resell for profit.

It provides fast access to capital for both acquisition and rehab — so you can move quickly and maximize returns. If the numbers make sense, the deal makes sense. This makes Fix & Flip financing ideal for:

  • Experienced house flippers
  • Value-add residential projects
  • Investors purchasing below market value
  • Properties needing cosmetic or heavy rehab
  • Auction and off-market opportunities

At Asteris Lending, we underwrite the asset, the ARV, and your exit strategy – not your personal income.

Built for Investors

Fast Closings
Time kills deals. Our streamlined process helps you secure funding quickly and confidently.

Fund Rehab Costs
Access capital for both purchase and renovation, structured around your project scope.

ARV-Based Lending
We lend based on After Repair Value (ARV), allowing you to leverage the property’s future potential.

Are We a Good Fit?

Our Fix & Flip program is structured to be straightforward and investor-friendly.

Minimum Credit Score

680

Reserves

6 Months

Property Types

SFR, Condo, Townhome, 1–4 Units

Seasoning

6 Months On Refinance

Prepayment Penalty

None

Down Payment

5% minimum

Experience

1+ Completed Properties

Occupancy

Non-Owner-Occupied

Loan Amount

$100K minimum
Up to $4M maximum

Appraisal

Scenario Based

How It

Works

Submit Property & Scenario

Provide basic details on the subject property and projected rental income.

Receive Terms

We structure your loan based on DSCR performance and credit profile.

Close & Fund

Appraisal completed. Loan documents signed. Capital deployed.

Why Investors Choose
Asteris Lending

This is financing built for operators, not hobbyists.
  • First-time investor friendly
  • Qualify using rental income
  • No personal income verification
  • Competitive 5.5% starting rates*
  • Up to 80% LTV
  • Loan amounts up to $5M
  • Interest-only options available
  • Blanket loans available
  • Reliable 10–21 day closing timeline
Product Type
Fix & Flip
Experience Required:
1+ Completed Properties
Minimum Credit Score:
680
Liquidity:
5% Down
Reserves:
6 Months
Prepayment Penalty:
None
Closing Timeline:
10-21 Days
Draw Schedule:
24–48 Hours
Rate:
7.75%
Loan-to-Value LTV:
N/A
Loan-to-Cost (LTC):
95%
Loan Term:
12-24 Months Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$4M
Product Specifics:
Non-Owner-Occupied, Up To 100% Construction Costs
Number of Units:
1 to 4 Units

States We

Lend In

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.
Apply Now
888-980-1809

Frequently Asked Questions

Can I qualify as a first-time investor?

Yes. Prior rental experience is not required.

No. Qualification is based on the property’s rental income.

Yes. A 6-month seasoning requirement applies.
Eligibility depends on documentation and property profile.

Optional structures are available.

Grow Your Rental Portfolio
with Asteris Lending

Access up to 80% LTV with competitive rates and investor-driven underwriting. Submit your DSCR scenario today and receive terms tailored to your property.
Start The Application Process