What is a fix and flip loan?

It is short-term financing designed for an investment-property acquisition and renovation, with repayment commonly planned through sale or longer-term refinance.

Can a fix and flip loan include renovation costs?

Eligible structures may include approved rehab funding, commonly released through draws as completed work is verified.

Do you offer fix and flip loans for beginners?

Mayday welcomes prepared first-time investors. Program fit depends on the property, budget, team, resources, supported value, and exit—not experience alone.

How fast can a private lender close?

Mayday targets fast execution for eligible complete files, but timing depends on documentation, appraisal or valuation, title, insurance, and underwriting.

Investors reviewing a rowhouse with a fix and flip private lender

Nationwide fix and flip lender

Fix and Flip Private Lender for Real Estate Investors

Mayday is a fix and flip private lender for investors who need acquisition and rehab financing built around the property, renovation scope, after-repair value, timeline, experience, and exit—not a one-size-fits-all mortgage process.

Run your deal numbers

Up to 90% LTC · rehab draws available*

Fast review

Organize the complete project for an efficient capital decision.

Purchase + rehab

Eligible structures can finance acquisition and renovation costs.

Flexible draws

Rehab funding can follow verified project progress.

Clear exit focus

Sell, refinance, and timing assumptions are reviewed up front.

Where it can fit

Built around the deal—not a generic checklist.

01Single-family and small multifamily renovations

02Auction or time-sensitive acquisitions

03Value-add projects with a supported ARV

04Experienced and qualifying emerging investors

Prepare your scenario

What helps us review faster

Property address and purchase contract or payoff

Requested loan amount and target closing date

Entity, experience, liquidity, and exit strategy

Detailed scope of work, rehab budget, timeline, and comparable sales

The strategy

How fix and flip private lending works

A fix and flip loan is short-term, business-purpose financing for acquiring and renovating an investment property. A private lender typically evaluates loan-to-cost, after-repair value, scope, contractor plan, borrower resources, experience, timeline, and exit strategy.

Eligible acquisition leverage and rehab funding vary by deal. Draws are generally released as verified work progresses. Closing speed depends on a complete file, valuation, title, insurance, and final underwriting.

Illustrative deal snapshot

A renovation deal, viewed as one project

Private lending looks at purchase, construction, total cost, and supported exit together.

$220K

Purchase

$80K

Rehab

$300K

Total cost

$410K

Example ARV

Illustration only—not a quote, valuation, or approval. Actual leverage, costs, draw terms, and borrower contribution vary.

Loan FAQ

Questions investors ask before applying.

Related financing

Keep exploring your options.

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Program availability, leverage, rates, costs, and timelines vary. All financing is subject to eligibility, documentation, underwriting, valuation, and final approval. This page is informational and is not a commitment to lend.

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