Fix & Flip Financing Tool

See What Your Deal Actually Returns — Before You Commit.

Most investors evaluate deals by gross profit. That's only half the picture. The real measure is return on invested capital — how much profit you generate relative to the cash you actually deploy. Enter your numbers below and see both scenarios side by side.

Close in 24 hours*
No hard credit check
Up to 92.5% LTC**
Experience rewarded
Property details
Purchase price
$
Rehab / renovation cost
$
After repair value (ARV)
$
Project timeline 8 months
1 mo18 mo
Loan terms
Down payment 10%
10%30%
Interest rate 10%
7%15%
Lender origination fees vary from 1 to 3 points. This calculator assumes an all-in cost of 1.5 points.
Investment breakdown
Purchase price$350,000
Rehab cost$50,000
Total investment$400,000
After repair value$500,000
Transaction costs (3%)$15,000
Net proceeds$485,000
Loan amount$315,000
Down payment amount$35,000
Origination (1.5 pts)$4,725
Total interest$21,000
Your cash out of pocket$60,725
ROI comparison
ALL CASH
21.3%
return on investment
$400,000
capital exposed
FINANCING THE PROJECT
136.9%
return on investment
$60,725
capital exposed
Financing boosts your ROI by +28.2% — because you're deploying $167,400 less of your own capital, freeing it up for your next deal.
The leverage advantage

Why Active Investors Finance Their Flips

Cash is a finite resource. Once it's in a deal, it's locked until you sell. Experienced investors use leverage not because they can't pay cash — but because deploying less capital per deal lets them do more deals, scale faster, and stay liquid when opportunities arise.

  • Higher ROI on deployed capital. Profit relative to what you actually invested is almost always higher with financing — even accounting for interest and fees.
  • Run multiple deals simultaneously. $230K all-in funds one deal. The same capital, split across two financed deals, doubles your pipeline.
  • Preserve liquidity for market moves. Investors with available capital win auctions, off-market deals, and distressed sales that cash-constrained investors miss.
  • Better terms as you scale. Capital Fund 1 rewards track record — more deals done means lower rates, higher leverage, and faster approvals.

Same capital, two approaches

MetricAll cashHard money
Deals funded12–3
Capital per deal$230K~$63K
Capital reserved$0$167K+
ROI on deal~18%~46%
Close speedWhenever24 hours*
Portfolio-level upside Significantly higher
Our loan programs

Choose the Program That Fits Your Strategy

From your fastest flip to your hundredth rental door, we have the right product for where you are and where you're going.

Most Popular
CF Advantage
Maximum leverage. Fastest close. Built for active investors.
  • Up to 92.5% LTC**
  • 90% of purchase / 100% of rehab**
  • Rates as low as 9.75%†
  • Close in 24 hours* — not weeks
  • 620+ FICO (soft pull)
  • AZ · CO · TX · TN · GA · NC
Apply for CF Advantage →
CF Pro
Better rates for investors with a track record.
  • Up to 95% LTC** (10+ projects)
  • 85% LTC** (3–9 projects)
  • Rates as low as 8.99%†
  • Close in ~2 weeks
  • 680+ FICO (soft pull for terms)
  • Near nationwide coverage
Apply for CF Pro →
DSCR / Long-Term Rental
Scale your rental portfolio without the headaches.
  • Up to 80% LTV**
  • 30-year fixed & ARM options
  • DSCR as low as 1.0
  • No red-tape underwriting
  • >660+ FICO required
  • $100K–$3M loan amounts
Apply for DSCR →
Our process

From Contract to Funded in 3 Steps

No hoops, no mystery. We've stripped out everything that slows deals down.

01

Submit Your Contract

Fill out our online application and submit your purchase contract, photos, and planned improvements. No full package required upfront — takes under five minutes.

Same day
02

We Underwrite In-House

Our asset-driven team reviews your deal and can send terms the same day. No third-party appraisals, no extensive personal financials, no committee delays.

Same-day terms
03

Loan Funded

Choose your closing date, gather escrow, title, and insurance. Funds wire at close — as fast as 24 hours* from approval when title is ready.

24-hour capable
Side by side

Capital Fund 1 vs. The Typical Hard Money Lender

Big promises are cheap. What separates us is execution — and the details that actually matter when a deal is live.

Capital Fund 1 Typical Lender
Close timelineAs fast as 24 hours*5–14 business days
Experience recognitionBetter terms as your track record growsOne-size fits all pricing
Terms reliabilityWe stand by what we issueSubject to change before close
Loan decisionIn-house, same dayExternal committee, delayed
Underwriting focusAsset & deal — not just creditHeavy financials required
Dedicated originator Yes ✕ Ticket queue
Investor-only focus 100% ✕ Mixed portfolio
Fix-and-flip + DSCR under one roof Yes ✕ Fragmented
Max leverageUp to 92.5% LTC**Typically 80–85% LTC
From the field
"The speed is real. I've closed deals others couldn't because my lender could actually move. That's the whole game when you're competing at scale."
Active Portfolio Investor 30+ flips completed, DSCR holds across AZ & TX
Why investors trust CF1
Licensed & RegulatedNMLS #396288 · BK-0917799 · Active in AZ, CO, TX, TN, GA & NC
Asset-Driven UnderwritingWe focus on the property, the plan, and the exit — not just your financial profile.
100+ Years Combined ExperienceOur team has seen every deal type. We understand value-add investing because we live it.
Dedicated Originator on Every LoanPhone, text, email — not a support queue. Same person, start to finish.
Common questions

Fix & Flip Calculator FAQ

Everything active investors ask before running their first deal through the numbers.

A fix and flip ROI calculator estimates your return on investment by comparing the cash you put into a deal against the net profit you receive at sale. It factors in purchase price, rehab costs, after repair value (ARV), selling costs, and — when financing — interest, origination fees, and down payment. This lets investors compare all-cash vs. hard money loan scenarios side by side to make a fully informed capital allocation decision.
ROI measures profit relative to the capital you deploy. When you use a hard money loan, you put less of your own money into the deal — so even though your net profit is slightly lower due to interest and fees, your return on the capital you actually invested is typically much higher. The freed-up capital can also be deployed into additional deals simultaneously, multiplying overall portfolio returns.
After repair value (ARV) is the estimated market value of a property after all planned renovations are complete. Lenders use ARV to determine maximum loan amounts, and investors use it to calculate potential profit and ROI. An accurate ARV is critical to evaluating whether a deal pencils and how much leverage a lender will extend.
LTC stands for loan-to-cost — the percentage of total project cost (purchase plus rehab) that a lender will finance. For example, 90% LTC on a $230,000 project means the lender provides up to $207,000. Capital Fund 1 offers up to 92.5% LTC through its CF Advantage program, covering 90% of purchase price and 100% of rehab costs.
Capital Fund 1 can close fix and flip loans in as little as 24 hours when title, escrow, and insurance are in place prior to funding. We underwrite in-house and make same-day loan decisions — no third-party appraisals, no external committee delays, and no extensive personal financial documentation required upfront.
Hard money lenders like Capital Fund 1 are asset-driven — approval is based primarily on the property value and the investor's plan, not just credit score. Capital Fund 1 uses a soft credit pull with no hard inquiry on your credit report, and CF Advantage requires only a 620+ FICO.
Origination fees on hard money loans typically range from 1 to 3 points, where 1 point equals 1% of the loan amount. This calculator uses 2 points as a standard assumption. More experienced investors with strong track records may qualify for reduced fees — Capital Fund 1 explicitly rewards deal volume with better pricing.
Conventional mortgages require extensive income documentation, strong credit, and typically take 30–60 days to close. Most won't finance properties in poor condition — a dealbreaker for fix and flip investors. Hard money loans are asset-based, close in days not weeks, require minimal paperwork upfront, and are designed specifically for short-term real estate investment strategies.
Ready to move?

Your Next Deal Deserves a Lender That Keeps Up

Get terms today. Our team responds fast — because that's how we're built.

Capital Fund 1, LLC · BK-0917799 · NMLS #396288 · Loans made or arranged by Capital Fund 1, LLC. This page does not constitute an application for a mortgage loan or an offer to lend. Investment properties only. Available in AZ, CO, TX, TN, GA & NC. *24-hour close available when title, escrow, and insurance are in place prior to funding; actual close timeline may vary by transaction. **Maximum leverage figures represent program limits; actual LTC/LTV subject to underwriting approval, property type, borrower experience, and market conditions. †Rates shown represent the lowest available rate tier; actual rate depends on loan program, borrower profile, property type, and market conditions. All terms subject to change without notice. Calculator provides estimates for educational purposes only; actual returns will vary.