What To Expect!
From App to Exit
A Borrower Journey with Fund Your Next Flip!
At Fund Your Next Flip (FYNF), we know that funding your investment property shouldn’t feel overwhelming. That’s why we’ve created a simple, transparent process designed for investors who want speed, clarity, and a trusted lending partner. Whether you’re flipping your first property or your tenth, we’re here to guide you every step of the way.
HOW OUR LOAN WORKS
- 6-month business loan
- Lend up to 75% of ARV
- Finance up to 100% of cost
- Interest-only, monthly payments in arrears
- Closings typically occur within 7 business days of receiving clear title
- 13% annualized interest rate
- Monthly extensions available (optional, with fee)
- First lien position required
- Personal guarantees signed by all borrowers
- Mortgagee’s title policy required
- Purchase loan formula: (ARV x 75%) - repair costs = max purchase loan
- Renovation funds provided will not exceed 100% of the property’s acquisition price
- We use desktop underwriting: MLS, tax records, comps (we do not walk properties)
LOAN COSTS & FEES
- Origination Fee: 3 points (3.00%), varies by deal and location.
- Loan Processing: $750
- Credit Report Fee: $50 ($100 for joint applications)
- Flood Certificate Fee: $20
- Wire Fee: $75
- Renovation Disbursement Fee: $750 to (If Applicable).
- All financed renovation funds are managed by Continental Title Disbursing.
- Loans under $125,000 are subject to additional points at acquisition closing
01
Borrower Approval
"Application"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
02
Property Approval
"Project Underwriting"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
03
Loan Approval
"Acquistion Closing"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
04
Loan Servicing
"Servicing"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
05
Escrow Disbursements
"Renovations"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
06
Loan Payoff
"Exit Closing"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
07
Let's Do It Again!
"Repeat"
Your journey starts with our quick online loan application — it takes about 10–15 minutes. We review your credit score, reserves, tax returns, experience level, and entity setup to confirm you meet FYNF’s criteria and are ready to move forward. Our pre-approval is good for 90 days, but check in before making offers to be sure everything is still current.
⏱
Estimated Turnaround: Approval within 2 business days of a complete application
✨
How We’re Different: Every application is reviewed personally — no auto-decisions. We look at your full picture, not just a score.
WHO QUALIFIES
- Minimum credit score of 680 (full credit report required)
- At Least $20,000 in cash reserves (per project), seasoned for 3+ months.
- Recently filed tax returns required.
- No recent bankruptcies or foreclosures (subject to FYNF review).
- Valid Missouri-based LLC or entity paperwork is required
- Bank Statements (last 3 months)
- Incomes Statement (last 2 months)
Application Types
New Borrower
"Full Application"
Welcome to FYNF! If this is your first time applying, you're in the right place. We're excited to build a long-term partnership with you. Our quick 10–15 minute application lets you share your goals, experience, and financial picture so we can set you up for success. Once submitted, we'll review it and respond within 2 business days. Let’s get you approved and ready for your next deal!
New Borrower
"Found Property"
If you’re a newly approved FYNF borrower with a property under contract, you’re in the right place. Share the property details, your purchase contract, and an itemized project budget so we can review your deal and keep things moving. Our team will get back to you within 2 business days. Let’s make this deal happen!
Returning Borrower
"New Loan"
Welcome back! If you're a returning FYNF borrower ready for another loan, you're in the right place. Just fill out this quick form with your new deal details—property info, closing date, project plan, title company, purchase contract, and renovation budget. Once submitted, we’ll review everything and get back to you within 2 business days. We’re excited to work with you again!
