Fix & Flip | standard
The MidPoint Fix & Flip Standard program is designed for residential investors who need fast, flexible capital to purchase, renovate, and resell properties. Whether you're an experienced flipper closing your 20th deal or getting started on your second, we have pricing and structure built around your track record.
Loan Details
• Loan amounts from $75,000 to $2,000,000
• Up to 95% LTC for experienced investors (10+ projects, 720+ FICO)
• 100% of renovation costs funded
• Interest-only, 12-month term
• Rates from 9.25% for qualified borrowers
• No appraisal required on loans under $750,000
• No prepayment penalty
• Close in 2 weeks or less
Who It's For
Residential investors targeting SFR, 2–4 unit, PUD, and condo properties across 47 states. Experience-based pricing means the more deals you've done, the better your terms.
How It Works
Submit your deal, get a decision fast, and close in days — not weeks. Renovation funds are held in reserve and disbursed as work progresses. Our team manages the process from term sheet to funding so you can stay focused on the project.
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.