Fix and Flip Loans California
California’s distressed property market creates constant opportunity for fix-and-flip investors — but only those who can move fast. DiVita Home Finance closes fix-and-flip loans in 7–14 days, funds up to 90% of purchase price and 100% of rehab costs, with no income documentation required.
Fix and Flip Loan Terms
| Feature | Details |
|---|---|
| Purchase LTV | Up to 90% of purchase price |
| Rehab funding | 100% of renovation costs |
| Max ARV | Up to 75% of after-repair value |
| Rate | 8.99%–12.99% |
| Term | 6–18 months |
| Close time | 7–14 days |
| Income docs | Not required |
| Credit score | No minimum |
Top Fix and Flip Markets in California
- Orange County — Anaheim, Fullerton, Santa Ana entry-level SFRs
- Los Angeles — South LA, Compton, Inglewood, East LA value-add plays
- Riverside / Inland Empire — Riverside, San Bernardino, Fontana high-volume flip market
- San Diego — El Cajon, Lemon Grove, Chula Vista workforce housing flips
How Fix and Flip Draws Work
Rehab funds are held in escrow and released in draws as work is completed. Most projects use 2–4 draws. Each draw requires a quick inspection (typically 48 hours). We work with your contractor’s schedule to keep the project moving.
What Makes a Good Flip in California?
The 70% rule: don’t pay more than 70% of ARV minus rehab costs. California’s high property values compress margins, so tight rehab budgeting is critical. Best flips are cosmetic renovations — kitchen, baths, flooring, paint — in supply-constrained zip codes with strong buyer demand.
Fix and Flip FAQ
Do I need experience to get a fix and flip loan?
No minimum experience required for first-time flippers. We evaluate the deal — ARV, purchase price, rehab scope — not your resume. First-time flippers may see slightly higher rates or lower LTV.
What property types qualify?
Single-family residences, condos, 2–4 unit properties, and small multifamily. We do not lend on owner-occupied properties.
How fast can you close?
7 days for experienced investors with complete documentation. 10–14 days for first-time flippers or properties requiring more due diligence.
Get Your Fix and Flip Loan Quote
📞 (800) 239-1103 | Apply Online →
Related: Hard Money Loans | Bridge Loans
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
