Fix & Flip | Sunbelt
The MidPoint Fix & Flip Sunbelt program is purpose-built for investors working in the highest-growth markets in the country — with faster closings and more flexible terms than you'll find anywhere else.
Loan Details
• Available in AZ, CO, GA, TN, TX, and NC
• Up to 90% of purchase price
• Rates from 9.75%
• Interest-only, 12-month term
• No prepayment penalty
• Close in as little as 24 hours
• Covers residential investment, multifamily, new construction, and commercial properties
Who It's For
Investors operating in Sunbelt markets who need a capital partner that can move at the speed of the deal. Whether it's a single-family flip, a small multifamily, or a commercial value-add, this program is structured for speed and flexibility.
How It Works
Asset-driven underwriting with no lengthy approval chains. Submit your deal, get terms fast, and close in 24 hours when needed. MidPoint's Sunbelt program is designed for investors who can't afford to wait — and don't have to.
Fix & Flip Programs
Loan Products
Fix & Flip
When you find the deal, we fund it — fast. Our fix & flip programs cover $75K to $3M, up to 95% LTC for experienced investors, 100% renovation funded, and closings in 2 weeks or less. No appraisal required under $750K. No prepayment penalty. We also offer a Sunbelt-specific program with closings in as little as 24 hours across AZ, CO, GA, TN, TX, and NC. If the numbers work, we'll make it happen.
Bridge Loan
Need to move fast on an acquisition, refi, or value-add deal? Our bridge loan programs offer short-term financing from $100K to $75M across residential and commercial properties — with LTV up to 75%, interest-only terms, and closings in as few as 24 hours. No DSCR requirement on select programs. We bridge the gap while you execute the plan.
Construction Loan
From spec homes to large-scale commercial development, MidPoint has a construction program built for it. We fund ground-up residential construction from $75K to $1.5M and institutional commercial projects up to $75M — with flexible draw schedules, interest-only terms, and closings built around your timeline, not ours.
DSCR & Rental Loans
Qualify based on the property's cash flow — not your personal income. Our DSCR rental loan programs cover 1–4 unit properties, condos, and short-term rentals up to $3M, with LTV up to 85% and no tax returns required. Built for buy-and-hold investors who want a clean, scalable financing solution.
Multifamily
From small multifamily acquisitions to large-scale apartment repositioning, MidPoint has the right capital stack for the deal. Our multifamily programs cover bridge financing from $100K to $50M, ground-up construction up to $75M, and DSCR rental loans up to $3M — with LTV up to 85% and no personal income required on select programs. Value-add, stabilized, lease-up, or new construction — we fund it all.