Move fast. Never lose a deal.
Up to 100% LTC for experienced investors. Close in as little as 7 days. No tax returns. No income verification. Structured for the investor who needs to execute and move on.
- Up to 100% LTC
- Close in as few as 7 days
- No tax returns required
- Rehab draw schedule included
The details.
Everything you need to know about how this loan is structured before you submit a deal.
For investors with 10+ flips in the last 36 months. Up to 93% LTC for first-timers.
Short-term structure designed for acquisition, rehab, and exit.
Minimum. Most loans close in 7–14 days.
Rehab draws structured to match your construction timeline.
Built for investors who can't afford to wait.
Cash buyers win deals because they move fast. Trilith closes in as few as 7 days so you can compete on the same timeline, without tying up your own capital.
Up to 100% LTC
The most experienced investors, 10+ flips in the last 36 months, can finance the full cost of acquisition and rehab. First-timers qualify up to 93% LTC.
Close in 7 days
No committee. No delays. One dedicated team handles underwriting start to finish so you can lock up the contract and move.
No income verification
We underwrite the deal, not your W-2. No tax returns, no income documentation. The asset and your track record are what matter.
Rehab draw schedule
Draws structured around your construction timeline. You get capital released as milestones hit so the project keeps moving.
Nationwide in 48 states
We lend across 48 states. Wherever the deal is, we can move on it.
Bridge to DSCR available
Executing a BRRRR? We can structure a path from this fix-and-flip loan directly into DSCR financing once the property stabilizes.
What we look at.
We underwrite the deal, not your life story. No tax returns. No income verification. Here is what matters.
Property type: 1–4 unit residential. Mixed-use considered case by case.
Experience: 100% LTC available for 10+ flips in last 36 months. 93% LTC for first-timers.
Credit: Minimum credit score required. Ask your loan officer for current thresholds.
Tax returns: Not required. We do not verify personal income.
Down payment: Varies by LTC tier and experience level.
ARV appraisal: Required. We lend against after-repair value.
For investors who execute fast and exit clean.
This loan is built for one type of investor: someone who finds deals, moves quickly, and needs a capital partner who can keep up.
- Active fix-and-flip investors closing 1+ deals per year
- Investors competing against cash buyers who need speed to win
- First-time flippers who need a lender willing to work with them from the start
- Experienced investors looking to scale volume without tying up personal capital
- Investors executing a BRRRR strategy who need the acquisition and rehab leg financed
Three steps. No surprises.
A dedicated team on every file from first call to closing table.
Apply
Get approved
Close
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Apply
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Get approved
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
Close
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Common questions.
What is the maximum LTC on a fix and flip loan?
Up to 100% loan-to-cost for experienced investors with 10 or more flips in the last 36 months, and up to 93% LTC for first-time flippers. Final leverage depends on the deal and your track record.
Do you require tax returns or income verification?
No. Fix and flip loans are underwritten on the deal and your experience, not your personal income. No tax returns or income documentation are required.
How fast can a fix and flip loan close?
As few as 7 days. Most loans close in 7 to 14 days because one dedicated team handles underwriting from start to finish, with no loan committee.
Are rehab draws included?
Yes. A rehab draw schedule is structured around your construction timeline, with capital released as milestones are completed.
Ready to lock up the contract?
Tell us about your deal. We'll give you a preliminary answer the same day and can close in as few as 7 days.