Proudly serving Ohio & Tennessee
What is a Fix & Flip Loan?
A fix and flip loan is a short-term bridge or hard money loan specifically designed for real estate investors who purchase undervalued or distressed properties, renovate them to market standard, and sell for profit — typically within 6 to 18 months.
Unlike conventional mortgages, fix and flip loans are approved based on the property's potential value after renovations (ARV), your project plan, and your investment track record — not your personal income or debt-to-income ratio.
How the Process Works
From deal submission to closing in as little as 10 days.
Submit Your Deal
Share the purchase price, estimated rehab costs, and your ARV projection. No lengthy application — just the deal details.
Lender Review & Approval
Kimble submits your deal across the best bridge and hard money lenders. We work fast — most approvals within 48–72 hours.
Close & Start Work
Close on the purchase with initial funds. Rehab draws are released in stages as construction milestones are completed.
Sell or Refinance
Sell the property at ARV for your profit, or refinance into a DSCR rental loan if you decide to hold.
Fix & Flip Loan Benefits
Close in as Little as 10 Days
Hard money speed with institutional reliability. Compete with cash buyers on distressed deals.
Up to 90% of Purchase + 100% of Rehab
Minimize your out-of-pocket exposure. We finance both the acquisition and renovation costs.
Rehab Funds in Draws
Renovation funds are released in staged draws as work is completed and inspected — keeping the project moving.
Based on ARV — Not Current Value
Lending decisions are driven by the After Repair Value, not today's as-is price. More leverage on the right deal.
Interest-Only Payments
Short-term loans structured with interest-only payments to maximize your cash flow during the renovation.
100+ Lender Access
Kimble shops every hard money and bridge lender through NEXA to find the best LTV, rate, and structure for your project.
Fix & Flip Program at a Glance
Fix & Flip Financing in Ohio & Tennessee
Ohio Flip Markets
Active distressed inventory with strong retail buyer demand:
Cleveland • Akron • Columbus • Youngstown • Canton • Dayton • Toledo
Tennessee Flip Markets
High appreciation markets ideal for renovation upside:
Memphis • Nashville • Knoxville • Chattanooga • Jackson • Murfreesboro
Submit Your Deal
Tell Us About Your Project
Share your deal details and Kimble will evaluate it across the best hard money and bridge lenders available. Most investors hear back within 24–48 hours.
Get Pre-Qualified for a Conventional Loan
Tell us a little about your situation — we'll follow up within 24 hours.