Fix & flip loans in Phoenix.
Purchase plus rehab, up to 85% of total cost, from the direct lender that's funded 1,700+ Valley deals since 2013. 12% interest is the entire cost: zero points, zero fees, no prepayment penalty, and draws funded in about 24 hours.
Terms with nothing hiding in them.
Phoenix flips are won on speed and kept on margin. Our fix and flip loan is built for both: approval in about an hour so you can commit before the competition, and pricing where the rate is the only cost, so the fee stack never touches your profit. We lend our own money — when you call, you are talking to the decision makers.
| Interest rate | 12% — the entire cost of the loan |
| Points & fees | Zero. No origination, processing, underwriting, appraisal, draw, or extension fees |
| Leverage | Up to 85% of total cost (purchase + rehab/build) |
| Approval | Typically within 1 hour of your call |
| Funding | As fast as the same day once title is ready |
| Draws | Funded in about 24 hours, managed in-house |
| Exit | No prepayment penalty, no minimum interest, no payoff fee |
| Qualifying | The deal qualifies you — no credit pull, no tax returns |
The math on a typical deal.
You win a distressed Glendale house for $228,000 with a $72,000 rehab budget — $300,000 total project cost, with comps supporting a $400,000 after-repair value. At 85% of total cost, Kayak funds $255,000 and you bring about $45,000 plus closing costs. Over a six month flip, the loan costs $15,300 in interest — and that is the entire financing cost. A typical 10.75% lender with 2.5 points and standard fees would charge $22,831 on the same deal: $7,531 more, despite the lower advertised rate.
Full worked comparisons: distressed flip deals · the hidden costs of cheap lenders
From first call to funded.
- Call or apply with the address, purchase price, and rehab budget. Approval typically within the hour — no credit pull, no tax returns, no appraisal.
- Get your proof of funds letter the same day, free, so your offer competes with cash.
- Close fast. Documents to title quickly; funding as fast as the same day title is ready.
- Rehab on your schedule. Draws funded in about 24 hours so your crews never wait. Sell, pay off, pay nothing to exit.
Common questions.
How much do fix and flip loans cost in Phoenix?
With Kayak Capital, 12 percent interest is the entire cost: zero points, zero origination, underwriting, appraisal, draw, or extension fees, and no prepayment penalty. Most Phoenix lenders add 2 to 3 points plus $1,500 to $3,000 in fees on top of their rate, which routinely makes a lower advertised rate more expensive in total dollars.
How much can I borrow for a Phoenix flip?
Up to 85 percent of total project cost, purchase plus rehab, on non-owner-occupied investment properties across the Phoenix metro.
How fast can a fix and flip loan close in Phoenix?
Approval typically takes under an hour and funding can happen the same day title is ready. Most of our flips close in days, which is the pace trustee sales and wholesale deals demand.
Do I need good credit or flipping experience?
No. The deal qualifies you: purchase price, rehab budget, and after-repair value. No credit pull, no tax returns, and first-time flippers get the same pricing as veterans.
Do you lend on distressed properties?
Yes — houses with no kitchen, failed roofs, fire damage, or auction timelines are our specialty. We underwrite the deal and the exit, not the current condition, with an in-house evaluation instead of a third-party appraisal.