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Fix & flip loans at Groundfloor

Learn how Groundfloor can help you with your next flip and flip project.

What are fix & Flip Loans?

Fix and flip loans are short-term financing options designed specifically for investors looking to purchase distressed properties, repair them, and then resell them for a profit. Fix and flip loans can be beneficial for investors who want to quickly buy and sell properties with minimal upfront capital or access to credit.

Benefits of fix and flip loans with Groundfloor:

The groundfloor lending difference

Understanding Fix & flip loans

House flipping requires a lot of hard work, expertise, and patience. But when you know how to do it, flipping houses can be an easy way for investors to profit from short-term gains.

 These loans typically require only a downpayment — but not at Groundfloor. Our real estate professional investors can access their capital quickly and easily. These types of loans also offer greater flexibility than traditional mortgages because they don’t have to be paid off within 30 years. Instead, borrowers have no payments until the loan repays and won’t be subject to penalties for late payments.

Overall, fix and flip loans are an excellent option for those looking to invest in real estate who need quick access to capital with minimal barriers or time constraints. While having experience in these areas can be helpful, it’s important to note that flipping houses is a learning process, and many successful investors have started with little or no experience. However, it’s essential to do your due diligence, research each property carefully, and surround yourself with a team of professionals who can help guide you through the process.


Fix & Flip Loans Frequently Asked Questions

Is house flipping worth it?

House flipping can be a profitable investment strategy when done correctly. In a strong housing market where demand for properties is high and prices are rising, it can be relatively easy to find a property at a discounted price, renovate it, and sell it for a profit. Additionally, with the right renovation strategy, it’s possible to increase the property’s value significantly, allowing the investor to earn a substantial return on their investment.


However, house flipping can also be risky and time-consuming. Flipping a property involves significant upfront costs — including the purchase price, renovation costs, and closing costs — which can eat into potential profits. Additionally, unexpected issues can arise during the renovation process, such as unforeseen repairs, permitting issues, or delays, which can further increase costs and delay the sale of the property.

How can I find a home to flip?

There are several ways to find houses to flip, including:


  • Real estate agents: One of the most common ways to find houses to flip is through real estate agents. Agents have access to a large inventory of properties, including distressed properties that may be suitable for flipping.
  • Online listings: Online real estate platforms, such as Zillow, Redfin, and, can be a great resource for finding potential flip properties. You can search for properties in specific areas and filter by price, condition, and other criteria.
  • Foreclosure auctions: Foreclosure auctions can be a good source of potential flip properties, as they often offer properties at discounted prices. However, it’s important to do thorough research beforehand and have a clear understanding of the risks involved.
  • Direct mail campaigns: Some investors use direct mail campaigns to target homeowners who may be interested in selling their properties. This can involve sending letters or postcards to homeowners in specific neighborhoods or areas.
  • Networking: Networking with other real estate professionals, such as contractors, property managers, and other investors, can also be a great way to find potential flip properties. Attend local real estate investor meetings or join online investor groups to connect with others in the industry.


When searching for potential flip properties, it’s important to do your due diligence and thoroughly research each property before making an offer. This can include conducting a property inspection, evaluating the local market, and estimating renovation costs to determine if the property is a good investment.

What experience is needed for flipping a house?

Flipping a house can be a complex and challenging process and having some relevant experience can be helpful in ensuring a successful project. Here are some skills and experience that can be useful for flipping houses:


  • Real estate knowledge: A solid understanding of the local real estate market, including current trends and property values, helps borrowers identify potential flip properties and set realistic expectations for the project’s profitability.
  • Construction and renovation experience: Flipping a house often involves significant renovations, so having experience with construction or renovation work can also be beneficial. This includes knowledge of building codes, design, and construction techniques.
  • Project management skills: Flipping a house requires coordinating various contractors and vendors, managing budgets, and staying on schedule. Strong project management skills helps the project run smoothly and stay on track.
  • Financial management: Flipping a house requires managing budgets, estimating costs, and securing financing. With some financial management experience, borrowers can better ensure the project is profitable. 
  • Marketing and sales experience: Once the project is complete, it’s important to effectively market and sell the property to potential buyers. Experience in marketing and sales better ensures that investors present the property in the best possible light and sold quickly for the desired price.

Ready to Get started?

Tackle your next fix and flip with Groundfloor today.

Simply fill out the form below. If you have any questions, please feel free to reach out, and one of our real estate experts will happily assist however they can.

Fix & flip pre-application form

Once you complete this pre-application form, we'll reach out to begin your fix and flip journey with Groundfloor.

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We can help with any project

Meet Our Flips

Check out some of the properties that we've helped transform all across the country. 

Lanham, Maryland

Jacksonville, FL

Atlanta, Georgia

Columbus, Ohio

Mableton, Georgia

Charlotte, North Carolina

Bluffton, South Carolina

Pensacola, Florida

Borrower Spotlight

Meet Our Borrowers

Learn more about a few of the borrowers that have worked with Groundfloor to turn bring their project to life.

Check Out Our Podcast

We chat with expert leaders to hear more about how real estate entrepreneurs and investors can make a real impact in this dynamic industry.

We’re excited to introduce you to the dynamic partnership between Groundfloor Finance and RicherValues. These two companies have teamed up to bring you innovative solutions in the field of real estate investing and financial planning. As real estate professionals, we understand the importance of understanding the value of a property before making an investment and how it can impact the potential return on investment.