Buy it. Improve it. Plan the sale.

01 · Transaction fit

Who this path is for

Investors planning to purchase or refinance a residential investment property, renovate it and sell. Property type, location, condition, occupancy and investor experience must fit the selected lender’s current rules. This is not an owner-occupied home-loan application.

02 · Funding structure

How the financing works

A proposed loan may include acquisition funding and a separate renovation allocation. Rehab funds may be released in draws after required inspections or other conditions. Model your deposit, closing costs, interest, insurance, taxes, contingency and any cash needed before a draw is reimbursed.

03 · Repayment

Plan the exit before the closing

The intended exit is a sale that repays the outstanding loan, accrued interest and applicable fees. Budget for a delayed sale and confirm maturity, extension conditions and any prepayment terms before committing.

04 · File preparation

What to have ready

• Borrower and entity profile, ownership authority, financial evidence and relevant project experience.
• Purchase contract or refinance basis, property address, occupancy and current-condition evidence.
• Itemized rehab scope, contractor budget, timeline and proposed draw schedule.
• Comparable sales, support for the proposed resale value, project costs and sale assumptions.

You can begin before these items are complete. Your reusable borrower file comes first; property-specific evidence follows when a transaction is identified.