Type of Properties We Fund

We lend to investors and mortgage brokers’ and realtors’ customers across a wide range of properties—from suburban single family homes to more urban townhomes and condos. Whatever your vision, we provide a variety of lending options for:

Single Family Residences

Townhomes

1-4 Unit Multifamily Properties

Condos

Let’s Connect Today

We Provide a

Stable, Reliable Source for Capital.
Our Team is Actively Lending to
Investors Just Like You.

Flexible Short-Term Loan Options to Meet Your Needs

Fix and Flip loans provide shorter term financing options for investors to purchase distressed properties at a discount. The investor will refurbish the property, sometimes making significant upgrades, and then will sell the renovated property for a profit.

If you’re the kind of person who can look at a property and see its potential, then FMS Investor can help savvy investors like you get the money you need to buy, fix, and flip a property. We verify your property’s potential worth after improvements and provide purchase funds, or refinance an existing loan, and you do not have to provide verification of your income or employment status.

If you’re looking for a loan to finance your next property renovation, even if it’s your first, we’d love to help!

Fix and Flip Loan Terms

Maximum Loan Amount Per Project up to $2.5M
Line of Credit Up To $5 Million
Up to 90% Purchase and 100% Rehab Financing (Loan to Cost)
Bridge Loans up to 75%; New Construction Available
Rate & Term and Cash-Out Refinances

Document

Requirements/Checklist

It may expedite the application process if you have the appropriate documents available.

Fix and Flip Loans

Completed Property Loan Application
Executed Purchase Contract (if purchase transaction)
Scope of Work
Government Issued Photo ID
Entity Documents (if closing in a business name)
Subject Property HUD-1 (if a refinance and subject property owned less than 12 months)

All loans must be solely for a business or commercial purpose and secured by a non-owner occupied property. All terms subject to credit approval. Products not available in AZ, ND or VT. In CA, ID, MN, NV , OR and SD, products offered by Fay Servicing, LLC d/b/a Constructive Mortgage Services, NMLS ID # 88244 CA: Licensed by the Department of Financial Protection and Innovation. All loans made and arranged in California pursuant to a California Financing Law License # 60DBO-82792.

Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. In all other states not previously listed, products are offered by Constructive Loans, LLC d/b/a FMS Investor Financing. Rates, terms, and conditions are subject to change from time to time without notice.

*Some exceptions apply. Discuss with your Investor Loan Consultant.

This website may be used by commercial lenders, brokers and borrowers and may not be used by members of the general public or residential owner occupied mortgage loan applicants in particular. The use of this website DOES NOT constitute an application for a mortgage loan and the pre-qualification and program recommendations generated by this website DO NOT under any circumstances constitute either a formal or informal loan approval or rate commitment. Terms and pricing recommendations generated by this website are subject to change without notice. Adjustable rate programs, fixed rate programs, pre-payment penalties, and applicable fees will apply according to separate guidelines and may change the nature of the pre-qualification and program recommendations generated by this website.