Fix and Flip – Essential You Group

After-Repair Value Loans

Short-term financing for the purchase & rehab of non-owner occupied properties.

Looking for Funding For Your Next Fix & Flip Project?

Essential You Group ARV Loan Program offers financing for up to 90% of the purchase price + 100% of renovation costs, not to exceed 75% of the after repair value. Plus, Essential You Group only charges interest on your outstanding balance, not on the rehab holdback so you don’t pay for the funds you aren’t using.

Loan Criteria

Collateral:

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties

LTV:

Up to 90% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV

Term:

12 Months (6-Month Extension Available)

Minimum As-Is Property Value:

$50k for Single-Family
$25k per Unit for 2-4 Family
$35k per Unit for Multi-Family (5+)/Mixed-Use

Loan Amount:

$50k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $5M for Multi-Family (5+)/Mixed-Use

Minimum FICO:

650

Rates

As Low As 7.74% (Interest Only Charged on Outstanding Balance)

Pre-Payment Penalty:

N/A

ARV Loan Program Typical Leverage & Rates

LTV

Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the After Repair Value

Up to 90% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 75% of the After Repair Value

Up to 90% of the Purchase Price + Up to 100% of the Renovation Costs: Not to Exceed 75% of the ARV

RATES

Starting at 10.49%

Starting at 8.49%

Starting at 7.74%