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 IT WORKS

  • Interest Rate: 13% Annualized


  • Term: 6-Month Business Loan


  • Loan Amount: Lend up to 75% of ARV


  • Finance Up To 100% Of Project Costs


  • Interest-Only Monthly Payments (Paid In Arrears)


  • Closing: Within 7 Business Days Of Clear Title


  • Monthly Extensions Available (With Fees, FYNF Approval Required)


  • No Property Walks: Desktop Underwriting Only (Appraisal if Needed)

COSTS & FEES

  • Origination Fee: 3 Points (3.00%), May Vary By Deal And Location


  • Loan Processing Fee: $750


  • Credit Report Fee: $50 ($100 For Joint Applications)


  • Flood Certificate Fee: $20


  • Wire Fee: $75


  • Renovation Disbursement Fee: $750 (If Applicable)


  • Renovation Funds Managed By Continental Title Disbursing


  • Loans Under $125,000 Include 2 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


  • Credit Score: Minimum 680 (Full Credit Report Required)


  • At Least $20,000 In Cash Reserves Per Project (Seasoned For 3+ Months)


  • Recently Filed Tax Returns (Most Recent Year Required)


  • No Recent Bankruptcies Or Foreclosures (Subject To FYNF Review)


  • Valid Missouri-Based LLC Or Entity Paperwork


  • Income Statements (Last 2 Months)


  • Bank Statements (Last 3 Months)


  • Filed Tax Returns (Most Recent Required)

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.


WHAT WE FUND


  • Pre-Approved Required Before Any Property Evaluation


  • First Lien Position (Required)


  • Renovation Funds Available (Capped at 100% of Purchase Price)


  • No Flood Zones Or Major Structural Issues


  • Locations: St. Louis Metro Area (Missouri only; no Illinois)


  • Type: Single-Family Or 2–4 Unit Homes


  • Itemized Budget and Photos Required


  • No Flood Zones Or Major Structural Issues


  • Approval: By Desktop Underwriting  (No Walk Properties)


  • ARV Appraisal: Ordered When Necessary


  • Renovation Funds Available (Capped at 100% of Purchase Price)

03

Loan Approval

"Acquistion Closing"

Once both approvals are complete, we finalize funding terms, work with your title company, verify title and insurance, set up your escrow, and prepare for closing. You’ll review your final loan package ahead of closing — making the day of signing smooth and fast.


⏱ Estimated Turnaround: Typically closes within 5–7 business days of clear title


✨ How We’re Different: We coordinate closely with you and title to fund on closing day — no last-minute delay



PRIOR TO CLOSING


INSURANCE:


  • 1-Year, Paid-in-Full Insurance Policy Due by Closing


  • Dwelling Coverage with Vacancy and Vandalism Riders


  • Replacement Cost Coverage Required


  • Builder’s Risk Policy Recommended for Rehabs


  • FYNF Listed as Loss Payee and Additional Insured


  • Blanket Policies Must List the Property and Confirm Coverage


LOAN DOCUMENTS:


  • Personal Guarantees from All Borrowers


  • Fully Executed Loan Package by Title Company


  • All Entity Members Must Sign

04

Loan Servicing

"Servicing"

During your project, you’ll make easy interest-only monthly payments (paid in arrears, giving you time before the first payment). Our electronic payment portal makes this simple. Need help adjusting your exit strategy? We’re here — and extensions are available with approval (fees apply).


⏱ Support: Ongoing throughout the loan term


✨ How We’re Different: We stay out of your way so you can focus — but we’re ready with advice if you need us.




HOW WE SERVICE


  • Payments: Monthly Interest-Only Payments, Due on the 1st.


  • First Payment: Typically Begins One Full Month After Closing


  • Online Portal: Easy, Fast, Secure with Friendly Reminders


  • Payoff Quotes: Available Upon Request from Title or Lender


  • Support: Brainstorming on Project Pivots and Market Strategy


  • Extension: One-Month Extension Available (Approval Needed,  Fees Required)

05

Escrow Disbursements

"Renovations"

If you’re financing your renovation, we help release funds in  multiple draws. You’ll start with your own reserves, then submit paid invoices and lien waivers. Our disbursing partner inspects and verifies against your project plan, then FYNF signs off so funds are released fast.


⏱  Estimated Turnaround: 2–3 business days after inspection approval


✨  How We’re Different: Our disbursement process is local, responsive, and personal — no layers of red tape..



HOW WE DISBURSE


  • Financed Renovation Funds Are Managed by Continental Title Disbursing


  • Draws: Up to 6 Per Project


  • Borrower Uses Personal Reserves to Start Work


  • Draw Request: Submit Paid Invoices and Lien Waivers


  • Property Inspection: Photos Taken to Verify Work Against Project Plan


  • Turnaround: Is 2–3 Business Days After Inspection Approval


  • Disbursement Fee: $750 (Covers Inspection and Processing).


06

Loan Payoff

"Exit Closing"

The best part — your exit! Whether you’re selling or refinancing, we’ll provide a precise, penny-accurate payoff letter for your title company or new lender.


⏱ Estimated Turnaround: 1–2 business days


✨ How We’re Different: No surprises or errors — we make sure your closing goes smoothly.



HOW WE PAYOFF


  • Exit Options: Sell The Property Or Refinance Into Long-Term Financing


  • Payoff Precision: Payoff Amount Calculated To The Day


  • Payoff Letter: Sent Directly To Title Or Lender



  • Final Interest & Fees: All Charges Clearly Itemized — No Surprises


  • Wires Only: Payoffs Must Be Made Via Wire (No Checks Accepted)


  • Fast Turnaround: Most Payoff Letters Generated Within 1–2 Business Days

07

Let's Do It Again!

"Repeat"

Your next project will be even easier. As a returning borrower, you’ll enjoy faster approvals and priority processing.


⏱ Estimated Turnaround: Return approvals faster than 48 hours


✨ How We’re Different: Most of our clients come back — because we deliver quick approvals, clear terms, local expertise, and a process built for repeat success.



WHY AGAIN


  • Fast-Track Process: Returning Borrowers Move Through Approval Faster


  • Familiar Process: We Know Your Style, So Underwriting Is More Efficient


  • No Need To Reapply: Use Your Existing Approval (If Still Valid)


  • Repeat Deals, Less Paperwork: We Already Have Your Info On File


  • Ongoing Partnership: We Love Helping You Build Wealth Project After Project


  • Ready When You Are: Submit A New Property Anytime You’re Under Contract


  • Trusted Support: Same Team, Same Transparent Process, Every Time

Application Types

New Borrower

"Full Application"

If you're a first-time applicant, you're in the right place. Our quick 10–15 minute application helps us understand your goals and get you set up for success.


Once submitted, we’ll review and respond within 2 business days. Let’s get you funded!!

Get Approved!

New Borrower

"Found Property"

If you’re a newly approved FYNF borrower with a property under contract, you’re in the right place.


Send us your property info, contract, and project budget — we'll review and respond within 2 business days. Let’s make it happen!

Under Contract!

Returning Borrower

"New Loan"

We love seeing returning borrowers like you. Thanks for choosing FYNF again!


Just drop in your new property details, project plan, title info, and contract.


Once submitted, we’ll jump into review and get back to you within 2 business days.

Back Again!

Wrapping Up & Moving On

Loan Payoff (Exit Closing)

The best part — your exit! Whether you’re selling or refinancing, we’ll provide a precise, penny-accurate payoff letter for your title company or new lender.


⏱ Estimated Turnaround: 1–2 business days


✨ How We’re Different: No surprises or errors — we make sure your closing goes smoothly.


Get more details →

Exit Support

Whether you’re selling or refinancing, we’ll guide the process to keep your exit clean, fast, and ready for your next project.

Get more details →

Ready for the Next One?

Most of our clients come back—because it’s faster, simpler, and smoother the second time around. Once you’ve closed one deal with us, the next flip moves quicker with fewer steps and faster approvals.


🔹 [Apply as a New Borrower]
🔹 [Submit a Property as an Approved Borrower]
🔹 [Submit a Property as a Returning Borrower]