If you're a builder or contractor, you already have the single biggest advantage in the fix and flip business: you know how to build.
You can walk through a distressed property and immediately see what needs to be done, how long it will take, and what it will cost. You have subcontractor relationships. You know how to manage a job site. You understand the difference between a cosmetic rehab and a structural nightmare.
That knowledge is worth more than any amount of capital — because it's what separates profitable flips from money pits.
The only thing standing between most builders and a thriving fix and flip business is financing. And that's exactly what we provide — with up to 100% financing and challenged credit welcome.
Why Builders Have an Edge in Fix and Flip
Most real estate investors who flip houses have to hire everything out. They pay retail for contractors, they get surprised by hidden costs, and they lose weeks waiting for subs to show up.
You don't have that problem.
Your cost advantage is real. When you can do the work yourself — or manage your own crew — your renovation costs are dramatically lower than what an outside investor would pay. Lower costs mean higher margins on the same property.
You can move faster. You don't have to wait for a contractor to fit you into their schedule. You control the timeline. Faster completion means faster sale, faster return, and faster reinvestment into the next deal.
You can see what others miss. An investor without construction experience might walk away from a property that looks too complicated. You can see exactly what it takes to fix it — and price that into your offer. That gives you access to deals that other buyers won't touch.
You can handle surprises. Every renovation has surprises. When you open a wall and find something unexpected, you know how to handle it without panicking or blowing the budget. That resilience is worth a lot in this business.
How Fix and Flip Financing Works for Builders
Fix and flip loans are asset-based loans. The lender's security comes from the value of the property — both as-is and after renovation. That means your personal credit score and tax returns are far less important than the deal itself.
Here's what we look at:
The Purchase Price
Is the property priced right? We want to see that you're buying at a discount to the after-repair value (ARV). The lower your purchase price relative to ARV, the more cushion you have.
The After-Repair Value (ARV)
What will the property be worth when the renovation is complete? This is established by comparable sales in the area — homes that have sold recently in similar condition and location.
The Renovation Budget
What does it cost to get from current condition to finished product? As a builder, your budget is more credible than most — because you actually know what things cost.
The Exit Strategy
Are you selling the finished property? Refinancing into a rental loan? Having a clear exit strategy is important. We want to know how the loan gets paid back.
What We Finance
Our Fix and Flip program covers:
- Purchase price of the property
- Renovation costs funded through a draw schedule as work is completed
- Up to 70–75% of after-repair value (ARV)
- Closing costs in some cases rolled into the loan
No W-2s. No tax returns. No hard credit pull to get started.
Programs for Every Level of Builder
New to Fix and Flip Investing
If this is your first investment property — even if you've been in construction for years — we have a program for you. We'll walk you through how draw schedules work, what documentation you need, and how to structure your first deal for success.
Experienced Builders — Deferred Payment Programs
If you have a track record of completed projects, you may qualify for our deferred payment program. That means no monthly loan payments during the renovation. Interest accrues and is paid off when you sell the finished property.
For builders managing multiple projects simultaneously, deferred payments are transformative. Your cash stays in your business — available for materials, labor, and your next acquisition — instead of going toward monthly debt service on every active project.
The Draw Schedule — How Renovation Funds Are Released
Renovation funds aren't handed over all at once. They're released in draws as phases of the renovation are completed. This protects both you and the lender.
A typical draw schedule for a full renovation:
1. Demo and rough framing complete → Draw 1 released
2. Rough plumbing, electrical, HVAC complete → Draw 2 released
3. Drywall and insulation complete → Draw 3 released
4. Finish work, flooring, fixtures complete → Draw 4 released
5. Punch list complete, ready for sale → Final draw released
Each draw is verified by inspection or photo documentation. For builders on deferred payment programs, the draw schedule works the same way — you just aren't making monthly payments while the draws are being funded.
Finding the Right Properties
As a builder, you have access to deal flow that most investors don't. Here are the types of properties that work best for fix and flip:
Cosmetic rehabs. New flooring, paint, kitchen updates, bathrooms, landscaping. These move fast and the margins are predictable. Great for builders who want quick turns.
Full gut renovations. Structural work, new roof, HVAC, plumbing, electrical. Higher cost, longer timeline, but also higher margins. This is where your construction expertise really pays off.
Distressed and neglected properties. Properties that have been sitting vacant, suffered deferred maintenance, or have code violations. Other investors walk away. You see opportunity.
Estate sales and foreclosures. Often priced below market, often in need of significant work. Your ability to accurately estimate renovation costs gives you a real edge in making competitive offers.
We Lend in All 50 States
No matter where your next flip is located, Genesis Commercial Loans can fund it. We work with builders and contractors in every state — from the Sun Belt to the Midwest, the Northeast to the Pacific Coast.
Whether you're flipping single-family homes in a growing suburb, renovating multi-family properties in an urban market, or tackling commercial conversions — we have a program that fits.
How to Get Started
Getting a fix and flip loan starts with a simple conversation. Here's what we'll want to know:
1. What property are you looking at? (Address or general area)
2. What is the purchase price?
3. What is your estimated renovation budget?
4. What do you expect the property to be worth after renovation?
5. Is this your first flip or do you have experience?
From there, we can give you a fast, honest assessment — with no hard credit pull and no obligation.
The Bottom Line
Builders have every advantage in the fix and flip business. The only missing piece is a lender who understands how you work — and who won't penalize you for being self-employed.
That's us.
No W-2s. No tax returns. No hard credit pull. And for experienced builders, deferred payments that let you keep your cash working while the project is underway.
Ready to put your skills to work? Submit your free loan analysis and a Senior Loan Officer will review your scenario — we do not do credit checks to get started.