Loan Programs

Fix & Flip Financing, Funded Fast.

When you find the deal, we fund it. $75,000–$2,000,000 ($3M in CA), up to 95% LTC for experienced investors, 100% of renovation funded, and closings in two weeks or less — 24 hours on our Sunbelt program. 

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A trusted partner for modern growth
Choose Your Structure

Three Fix & Flip Structures

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MCP Fix & Flip Standard

The core program for investors buying, renovating, and reselling residential property.

$75,000–$2,000,000 ($3M in CA) · up to 95% LTC · 100% rehab

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MCP Fix & Flip | No Rehab

For acquisitions that need capital speed, not construction dollars — purchase-only financing. 

Purchase-only · no rehab draw · fast close

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MCP Fix & Flip | Sunbelt

A regional program built for velocity across the fastest-moving Sunbelt markets. 

AZ, CO, GA, TN, TX, NC · close in 24 hours

Program Highlights

Built for Investors Who Move First

No appraisal under $750K. No prepayment penalty. No waiting on a committee. 

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No Appraisal Under $750K

Skip the third-party appraisal wait on smaller files and get to close faster. 

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No Prepayment Penalty

Flip on your timeline. Pay the loan off the day the property sells.

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100% Rehab Funded

Your renovation budget is fully financed and released on a draw schedule. 

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Sunbelt 24-Hour Close

A dedicated program across AZ, CO, GA, TN, TX, and NC for the fastest closings.

See your options without any commitment.

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($3M in CA)

Loan amounts for fix & flip projects

$ 0 K–$2M
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LTC

0 %
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Fixed Rates

0 %
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Minimum FICO

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Insights & Guides

Reports Worth Reading Before Your Next Flip

Free Guide

The Flip Margin Worksheet

Model purchase, rehab, carry, and resale in one sheet — before you commit. 

Free Guide

Rehab Budget & Draw Schedule Template

How to build a scope of work underwriting approves on the first pass.

Complimentary Assessment

Flip Deal Readiness Check

9 questions. An instant read on whether your file closes in two weeks. 

Free Guide

Sunbelt Resale Market Snapshot

Where AZ, CO, GA, TN, TX, and NC resale spreads stand this quarter.

How It Works

From First Call to Funded

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Send the Deal

A few questions online, or call an Account Executive directly. No tedious application.

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Underwriting

Our team reviews the file in-house — AI-assisted underwriting reads a full file in seconds.

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Term Sheet

Clear, straightforward terms with no re-trading at the closing table. 

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Funded

Wire coordination and closing managed end to end by our funding operations team.

See your options without any commitment.

Couldn't find your answer?
Ask Our Deal Desk.

Program Questions

Frequently Asked Questions

Not on fix & flip loans under $750K — which removes both the cost and the two-week wait from your timeline.

100% of the renovation budget is funded, released through a draw schedule as work is completed. 

No. Pay the loan off the day the property sells, with no penalty. 

Two weeks or less on most files, and in as little as 24 hours on the Sunbelt program across AZ, CO, GA, TN, TX, and NC.

Other Programs

One Lender, Every Deal Type

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Bridge Loan

$100K–$75M · up to 75% LTV 

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Construction Loan

$75K–$75M · flexible draws

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DSCR & Rental Loans

Up to $3M · no tax returns

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Multifamily

$100K–$75M · up to 85% LTV

Ready When You Are

If the Numbers Work, We'll Make It Happen.

A few questions online, or call an Account Executive who will guide you step by step.