How Can I Apply for a Fix-and-Flip Loan with Truehold?

The Essentials

• Start by sharing project details — property location, purchase price, planned improvements, and estimated ARV.
• No W-2s or tax returns required — streamlined documentation focuses on the property and project, not personal income.
• Quick approval and funding — we can fund straightforward projects in as few as 10 days.
• Collaborative process — we review your project scope and help determine optimal funding structure.

If you’ve found a property with strong flip potential, getting financing shouldn't slow you down. Unlike conventional mortgages that require extensive income verification and weeks of back-and-forth, our approach centers on evaluating the deal itself rather than your employment history or tax strategy.

Here's what to expect when you work with us.

Start with the Project Details

The first step is reaching out to us with information about your renovation project. We'll want to understand:

• Property address and location: Where is the property, and what's the local market like?
• Purchase price: What are you paying to acquire the property?
• Planned improvements: What renovations are you planning, and what's your scope of work?
• Estimated after-repair value (ARV): What do you expect the property to be worth after renovations are complete?

This initial conversation helps us understand your project and determine whether the deal structure makes sense. You don't need a 50-page business plan—just a clear sense of what you're buying, what work needs to be done, and what the finished property will be worth.

We'll Review Your Project Scope

Once we understand your renovation plans, our team will review the project scope and help determine your funding capacity. We'll look at:

• Whether the purchase price and renovation budget align with the projected ARV
• If the timeline is realistic for the scope of work
• What loan amount makes sense based on the property's potential
• How much leverage you can access based on the deal structure

This isn't an interrogation—it's a collaborative conversation to make sure the financing fits your project and gives you the capital needed to execute successfully.

Streamlined Documentation

The application process is streamlined compared to traditional financing. You won't need to gather W-2s, compile two years of tax returns, or coordinate employment verification letters.

The focus is on the property and the project, not on extensive personal income documentation. We'll need basic information about your creditworthiness and financial stability, but the documentation requirements are minimal compared to conventional mortgages.

Quick Approval and Funding

Once we've reviewed your project and you've provided the necessary documentation, we move quickly. For straightforward deals—properties with clear renovation scopes, solid ARV potential, and experienced borrowers—we can fund your project in as few as 10 days.

This speed is critical in competitive markets where distressed properties move fast. When you find the right flip opportunity, you need financing that can keep pace with your timeline and help you secure the property before another investor swoops in.

What Happens After You Reach Out

Here's the typical flow once you contact us:

1. Initial consultation: We discuss your project details and investment goals
2. Project review: Our team evaluates the property's potential and your renovation plan
3. Funding determination: We determine loan amount and terms based on the deal structure
4. Documentation: You provide streamlined documentation (no W-2s or extensive tax returns)
5. Approval: We approve your project and prepare for closing
6. Funding: We close and fund your project, often in 10 days for clean deals

Throughout the process, our team stays in communication, keeping you informed and moving things forward efficiently.

No Need to Navigate This Alone

Flipping properties involves enough moving parts—finding deals, managing contractors, staying on budget, and timing your sale. Your financing shouldn't add unnecessary complexity or slow you down.

Whether you're an experienced flipper looking for a more efficient lending partner or you're tackling your first renovation project and want guidance through the financing process, we're set up to support your specific needs.

Ready to get started on your flip project? Reach out to us today with your renovation plans. We'll review your project scope, discuss funding options, and help you move quickly to secure and renovate your next investment property.