Fix and Flip Financing 101: How to Secure Up to 90% LTC for Your Next Rehab Deal

Are you ready to scale your real estate portfolio in 2026? The market is shifting, and the window for high-margin rehab deals is wide open for those who know how to leverage capital effectively. But here is the reality: traditional banks aren't built for the speed or the complexity of a fix-and-flip. They want "perfect" properties. You want the "diamond in the rough."

To win in today's landscape, you need a financing partner that understands the value of the "After-Repair Value" (ARV) just as well as you do. You need liquidity. You need speed. Most importantly, you need a strategy that maximizes your leverage while minimizing your out-of-pocket cash.

Welcome to Fix and Flip Financing 101. At ClearBlu Group, we don’t just provide capital; we provide a blueprint for growth.

The Capital Imperative: Understanding 90% LTC

In the world of professional flipping, cash is king, but leverage is the king-maker. Why tie up all your liquidity in a single project when you could potentially fund three? The centerpiece of our Fix and Flip Loan Program is the ability to secure up to 90% Loan-to-Cost (LTC).

What does this mean for your bottom line?

1. Maximize Your Leverage: We fund up to 90% of the purchase price.

2. Zero-Cost Construction: We fund 100% of your rehab budget.

3. Preserve Your Reserves: By minimizing your initial down payment, you keep your capital liquid for the next opportunity or unexpected contingencies.

Are you tired of leaving six figures on the table for every deal? By utilizing a high-LTC structure, you aren't just buying a house; you are buying the ability to scale your business exponentially.

The ClearBlu Blueprint: What Properties Qualify?

Not every property is a "deal," and not every deal fits the institutional lending box. We focus on neighborhood-scale investments: the backbone of American housing. To ensure your project is eligible for our premier fix-and-flip terms, it must fit the following criteria:

• Property Types: 1-4 unit residential buildings, Single-Family Residences (min 700 sqft), Condos (min 500 sqft), Townhomes, and PUDs.

• Occupancy: Non-owner occupied only. We are here to fuel your investment business, not your primary residence.

• Lot Size: Maximum of 5 acres. We focus on residential and infill development, not sprawling rural acreage.

What We Don’t Fund: To maintain our focus on high-velocity residential flips, we currently do not lend on mixed-use properties, Florida condos, 5+ unit multifamily buildings, mobile homes, or exotic properties like log homes and cabins. Our goal is to provide clarity; knowing what we don't do is just as important as knowing what we do.

Decoding the Loan Terms: Speed Meets Strategy

When you are mid-renovation, the last thing you need is a complex, amortizing loan eating into your monthly cash flow. Our fix-and-flip loans are designed for the investor’s lifecycle:

• Loan Amounts: $50,000 to $1,000,000 (up to $3,000,000 subject to pre-screen for experienced developers).

• Interest-Only Payments: Keep your monthly carry low. You pay only for the capital you use, with a balloon payment due at maturity.

• Flexible Terms: Standard 12-month terms to get you in and out. Need more time for an ADU or a major expansion? We offer 18-24 month terms for more complex projects.

• Extensions: Life happens. We offer extensions for up to 50% of the original term to ensure you have the runway to finish your masterpiece.

The 4 C’s: The ClearBlu Advantage

Most lenders are just a checkbook. At ClearBlu Group, we believe capital is only 25% of the equation. Our mission is to transform the face of wealth, especially for historically underserved investors. We do this through our holistic 4 C’s approach:

1. Capital: As discussed, we provide the high-leverage 90% LTC funding you need to compete with "all-cash" institutional buyers.

2. Credit: We work with you to understand your credit profile. With a minimum down payment as low as $10,000 for deals under $100k, we make entry accessible.

3. Coaching: Through ClearVision, we offer purpose-driven coaching. Whether you are on your first flip or your fiftieth, having a mentor to navigate the 2026 market is a strategic imperative.

4. Custom Automation: Our All-In-One Sales and Marketing CRM allows you to automate your lead follow-up, manage your project workflows, and keep your "for sale" pipeline full without lifting a finger.

Are you running a hobby, or are you building an enterprise? Success in real estate requires moving from manual labor to automated systems.

Navigating Geography and Legalities

We are a nationwide lender, but every market has its nuances.

• Available States: We lend in almost every state across the US.

• Restricted Areas: We do not currently lend in VT, UT, OR, SD, or ND. Special conditions apply for Nevada and Arizona.

• Attorney Opinion Letters: To protect your investment and ours, we require an Attorney Opinion Letter for deals over $500k in NJ/NY, over $2M in CA/HI, and over $1M in all other eligible states.

Transparency is the foundation of trust. We lay out these requirements upfront so there are no "surprises" at the closing table.

Actionable Insights for Your Next Deal

If you are looking at a property today, ask yourself these three questions:

1. Does the After-Repair LTV (ARLTV) stay below 75%? This is our "hard cap" to ensure the deal remains safe for both you and the firm.

2. Is your rehab budget realistic? Remember, we fund 100% of the rehab, but it must be backed by a clear Scope of Work.

3. Do you have an exit strategy? Whether it’s a quick sale or a Refinance into a Long-Term Rental Loan (where we offer up to 85% LTV), you must know your "Move 2" before you make "Move 1."

Unlock Your Potential Today

The difference between a successful real estate mogul and a frustrated "wannabe" is the ability to take decisive action with the right resources. You have the vision; we have the Capital, Coaching, and Custom Automation to make it a reality.

Stop letting capital constraints dictate the size of your dreams. It is time to witness the growth you’ve worked so hard for.

Ready to get your deal pre-approved?Contact our lending team today and let’s discuss how we can secure up to 90% LTC for your next project.

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Coming Up Next: Now that you’ve mastered the financing basics, how do you manage the renovation without losing your mind: or your profit? In our next post, “The Rehab Roadmap: Managing Your Fix and Flip Budget Like a Pro,” we’ll dive into draw schedules, contractor management, and how to use Custom Automation to keep your project on track. Don't miss it.