If the project fits inside 70% of ARV, we fund the purchase, the repairs and the closing costs.
Rates from 9% to 12%. One to two points. Closing in 5 business days once a complete file is received. Run your numbers in the Deal Calculator and see your cash due at closing before you call.
See Your Cash at Closing Get Pre-Approved
Three Fix-and-Flip Programs
Zero Out of Pocket
Up to 70% of after-repair value. When the purchase, the repairs and the closing costs all fit inside 70% of ARV, nothing is due at closing. Sized on the collateral, your experience and a lookback on credit history, not a credit score.
90 / 100
90% of the purchase price and 100% of the renovation budget. You bring the closing costs. Lower rate and fees than the zero out of pocket program. Qualification is set by credit score and experience.
100 / 100
100% of the purchase price and 100% of the renovation budget. You bring the closing costs. Lower rate and fees than the zero out of pocket program. For borrowers with a 720 credit score and 10 deals closed in the last 36 months.
Fix-and-Flip Terms
| Interest rate | 9% to 12%, interest-only |
| Origination | 1 to 2 points |
| Closing | 5 business days once a complete file is received |
| Term | 12 to 24 months |
| Minimum loan | $75,000 |
| Credit check | Soft pull, no inquiry on your credit report |
Program fit is set by a soft credit pull and your experience. The 70% of ARV zero out of pocket structure is available on Texas properties. Rate and points depend on program, leverage, credit and experience. All financing is subject to underwriting, appraisal or valuation, title, insurance and lender approval. Business-purpose lending only. Not a commitment to lend.
Who Underwrites Your Deal
Steve Waller, ACP’s principal, brings 35+ years in commercial finance, with senior roles at Comerica, JPMorgan Chase, U.S. Bank, Group 1 Automotive and Capital Automotive REIT. Your file is reviewed and structured by the person you talk to, from the first call to the closing table. Based in Spring, Texas, serving Houston and investors nationwide.
Real Estate Investment Financing, Underwritten With Discipline
ACP Lending provides fast, straightforward financing for real estate investors — from short-term fix-and-flip bridge financing to long-term DSCR rental and ground-up construction financing. Every deal is underwritten on the merits of the property and the plan, not just a credit file.
Fix-and-Flip Bridge Loans
Short-term bridge financing for real estate investors purchasing and rehabbing single-family and small multifamily properties.
DSCR Rental Loans
Long-term rental property financing qualified on the property’s cash flow, not personal income.
Ground-Up Construction Loans
Ground-up construction financing for residential investment properties, from lot to finished build.
Multifamily Loans
Financing for small-balance multifamily acquisitions and refinances.
Portfolio Loans
Blanket financing across multiple rental properties for growing investor portfolios.
Loan Forms
Every form needed to prepare and return a financing request, in one place. No account or sign-in required.
Ready to Talk Through a Deal?
Reach out and we’ll walk through financing options for your next investment property.
Read the latest market updates on the ACP Investor Brief.
Real Estate Investor Loan FAQ
What types of real estate investor financing does ACP Lending offer?
ACP Lending originates and underwrites bridge and fix-and-flip, DSCR rental, ground-up construction, multifamily and portfolio financing directly with its institutional capital partners.
How does DSCR rental financing work?
DSCR financing is evaluated primarily on a rental property’s cash flow rather than the borrower’s personal income. Approval, terms and required coverage ratios vary by lender and property.
How quickly can investment-property financing close?
Fix-and-flip financing closes in 5 business days once a complete file is received. Timing on DSCR, construction, multifamily and portfolio financing depends on the program, appraisal, title work and a complete borrower file.
Where is financing available?
ACP Lending offers real estate investor financing across most U.S. markets through direct relationships with institutional capital partners. Program availability varies by property and location.
What information is needed for a property analysis?
Start with the property address, purchase price or current value, estimated renovation budget, requested loan amount, expected rent or resale value, and your investment experience.
ACP Deal Confidence Review™
Before recommending financing, ACP reviews the property, proposed budget, value or ARV, required cash, borrower liquidity, exit strategy, and material execution risks.
Finance It
Move forward when the deal, capital structure, and exit strategy support a realistic path to success.
Renegotiate or Restructure
Adjust the purchase, scope, leverage, or cash plan when the opportunity can work—but not as currently structured.
Walk Away
Recognize when the risk, required cash, or exit assumptions do not justify moving forward.
Ready to Underwrite the Decision?
Request your ACP Deal Confidence Review today. Most inquiries receive a response within one business day.
Start Review Get Pre-Approved Deal CalculatorGet new ACP reports by email
Every Investor Brief and market report goes out by email the morning it is published. The market data, and what it means for your financing. No rates, no pitch, and you can stop them in one click.
ACP Lending, 10 East Honey Grove Place, Spring, TX 77382. We do not sell or share this list. Privacy Policy.