100% Financing for Your Next Fix & Flip — No Money Down
RS Capital's 100% Fix & Flip Loan covers 100% of your purchase price and rehab costs, up to 75% of ARV — no down payment, no income verification. Built for investors with strong credit who'd rather keep their cash in reserve than tied up in a deal.
Program Highlights
Maximum leverage for flippers who want to keep more cash on hand for their next deal.
Your Credit Score Sets Your Max ARV
Higher credit and a track record of completed flips unlock a higher ARV cap.
| Credit Score | Max ARV | Requirements |
|---|---|---|
| 650+ | 65% of ARV | 1–4 unit residential property |
| 700+ | 70% of ARV | 1–4 unit residential property |
| 700+ (experienced) | 75% of ARV | 1–4 units, plus 1 completed project with RS Capital or 3 completed projects with another lender |
Liquidity / Reserve Requirement
You'll need to show $15,000 or 25% of your rehab budget — whichever is greater — plus closing costs, verifiable in reserves. Contact us for more details on how this applies to your deal.
Built for Investors Who Want Maximum Leverage
Strong credit, ready to move — this program is for flippers who'd rather deploy their cash into the next deal than tie it up in this one.
From Application to Closing, Built to Move Fast
Same-day approval, no income verification, funded in days — not weeks.
Apply in Minutes
Quick online application — tell us about the deal.
Get Approved Same-Day
Same-day approval available, no income docs required.
Close in Days
Funded in 5–10 business days once approved.
Flip and Repeat
Interest-only payments while you work — keep your cash for the next deal.
Documentation Checklist
Have these ready to keep your approval and funding timeline on track.
100% Fix & Flip Loan vs. Our Standard Fix & Flip Program
Both programs fund purchase and rehab — the right one depends on your credit, deal size, and how long you need.
| Feature | 100% Fix & Flip Loan | Standard Fix & Flip |
|---|---|---|
| Purchase Price | 100% | Up to 90% |
| Rehab Costs | 100% | 100% |
| Max ARV | 75% | 75% |
| Loan Amount | $100K – $1.25M | $75K – $4M |
| Term | 9 months (+3-mo. ext.) | Up to 24 months |
| Down Payment | None | 10% |
| Best For | Strong-credit investors maximizing leverage | Bigger deals or a longer runway to complete the flip |
| See full Standard Fix & Flip / Rehab program details → | ||
100% Fix & Flip Loan FAQ
What does "100% financing" actually cover?
It covers 100% of your purchase price and 100% of your rehab costs, up to 75% of the property's After Repair Value (ARV).
Do I need a down payment?
No down payment is required on this program.
What credit score do I need?
650 minimum FICO. The maximum ARV you qualify for depends on your score — 65% of ARV at 650+, up to 75% of ARV at 700+ with prior completed flips.
How fast can I close?
Same-day approval is available, with funding typically delivered in 5 to 10 business days.
What are the rates and points?
Rates as low as 9.99% and points as low as 1.5%, with no application fee.
How long is the loan term?
9 months, with an optional 3-month extension (extension fee applies) for up to 12 months total.
Get Your 100% Fix & Flip Loan Term Sheet
Tell us about your deal and a loan advisor will follow up the same day — no cost, no obligation, no hard credit pull.
Request Your Loan Terms
No obligation. A loan advisor replies same day.
Start My Application →Takes about 2 minutes. No cost, no obligation.