Fix and flip capital

The property loan is in place. Is the cash side of the flip?

Map the money needed to close, start work, and carry the project before a missing piece slows the deal down.

Start with your deal.

Cash-to-close map

Property loanPurchase financing
Cash to closeDown payment + costs
Project runwayRehab + reserves

The deal needs each layer to be clear before closing.

Residential renovation in progress

The cash side

Closing is only the first cash event.

A flip can look financed on paper while the cash required before, during, and after closing remains unsettled. Seeing the sequence clearly makes it easier to decide what belongs in the deal and what needs another answer.

01

Get to close

Down payment, earnest money, lender and title costs, insurance, and immediate deposits.

02

Start the work

Contractor deposits, materials, permits, demolition, and early project costs.

03

Keep room to move

Carrying costs, change orders, utilities, and reserves if the project runs longer.

Build the complete capital picture before you make an offer

Separate the total project need from the money already secured. Include acquisition costs, expected repairs, contingency, closing costs, insurance, utilities, taxes, financing costs, and the cash you want to keep available after closing. A project gets tight when smaller expenses arrive on a different timeline than the money set aside for them.

The Deal Equity Snapshot compares your estimated project costs with your projected property value. It does not determine eligibility or promise an outcome. Use it to review your cost and value assumptions before planning your next move.

Use each capital source for the job it is meant to do

Property-secured financing is commonly built around the asset, its value, the scope of work, and the exit. Unsecured capital is assessed through your profile and income instead. When there is a fit, it may help with cash components that do not sit neatly inside a property loan or draw schedule.

The question is not simply whether capital is available. It is whether the full structure, including repayment, gives the project enough room to work. Compare timing, total cost, monthly obligation, and the margin the deal needs to absorb an ordinary surprise.

Pressure-test the timing, not just the budget

A renovation budget can be accurate and still create pressure if cash is needed before a draw is released, a contractor requires a deposit, or the property takes longer to sell or refinance. Look at when every cost is due, not only the final total.

Write down what each source covers, the payment it adds, when that payment begins, and the event expected to repay it. If the structure only works when every assumption holds, slow down and revisit the numbers. A clear plan leaves room for the ordinary friction of a real project.

Start prepared

Bring a clear deal picture to the conversation.

Project purpose: What the capital needs to cover, such as down payment, rehab, carrying costs, or reserve.

Requested amount: The part of the plan that remains after property financing and planned cash.

Timeline: When the cash is needed and how the project moves from close through exit.

Repayment fit: How another payment works alongside your other obligations while the project is active.

Investors Get Funded arranges unsecured capital through third-party lending partners for qualified applicants. It is not a lender. All options are subject to lender criteria, underwriting, approval, and final terms.

Start with your deal.