Fix & Flip Loans — Kyon Capital

On a flip, the wrong capital costs you the deal — or the profit.

Conventional financing won't touch a property that needs work, and it can't move at the speed a flip demands. But not all flip capital is equal: a loan with slow draws can stall your crew, a thin term can trigger extension fees, and an optimistic ARV can leave you underwater. The financing structure can make or break the project's profit.

We structure capital around your project — and test the deal first.

We help you arrange acquisition-plus-rehab capital sized to your project, with a draw schedule that keeps the work moving — and we evaluate the deal against the Four Pillars before you commit. Especially the one that decides flips: the exit. We'd rather help you sharpen a deal (or walk away from a weak one) than watch the numbers fail mid-project.

Options That May Fit

Fix-and-flip loans Acquisition plus renovation in one facility, with rehab funds typically released as the work progresses (LTC/ARV-based).
Bridge loans To secure a property fast, with a renovation or resale plan to follow.
Bridge-to-DSCR For deals you may decide to hold: flip-finance now, refinance into a rental loan later.

Business-purpose loans for real estate investors. Structure, leverage, and terms depend on the deal and are subject to underwriting, valuation, title, insurance, documentation, and capital availability.

Questions We'll Ask

How many flips have you completed, and in which markets?
What's the purchase price, the rehab budget, and your supported ARV?
Have you built in a contingency, and what's your realistic timeline?
What's your exit — resale or refinance — and is there a backup?
Do you have a contractor lined up, and reserves for carrying costs?

Documents to Prepare

Purchase contract · itemized rehab scope and budget · ARV support / comps · your track record (prior projects) · entity documents · proof of reserves · insurance information.

How It Works

Consultation → Deal Review → Structure & Term Discussion → Documents → Valuation/Title/Insurance → Approval → Closing → Draw Management. (Subject to underwriting, valuation, title, insurance, documentation, and capital availability.)

Common Mistakes to Avoid

An inflated ARV — the single most common way flips go wrong.
No contingency — budgets almost always move; plan for it.
A too-short term — leaving no margin for delays, then paying extension fees.
Ignoring carrying costs — interest, taxes, insurance, and utilities while you hold.
No backup exit — counting on a resale in a market that may slow.

FAQ

How much of my project can be financed?

It depends on the deal — typically a portion of the cost plus rehab, capped by the projected after-repair value. We'll walk through your specific numbers; we don't quote figures in the abstract.

How are rehab funds released?

Typically through a draw schedule, as work is verified — so capital stays aligned with progress.

How fast can a flip close?

Well-prepared deals may close quickly — sometimes in about two weeks — subject to title, valuation, documents, and underwriting. Readiness is the biggest factor; it's a possibility, not a promise. (Pending client sign-off.)

Do I need flip experience?

It helps, since execution risk is real, but newer investors may have options depending on the deal and liquidity. We'll talk through where you stand.

What does the consultation cost?

Nothing, and we're paid only if your deal closes.

Fund the buy and the rehab — without losing the deal to slow capital.

Got a deal under contract — or one you're eyeing?