A4-financed acquisition and renovation home in Bluffton, South Carolina

Luxury Renovation

Luxury Renovation & Fix-and-Flip Financing

Acquire and transform luxury investment homes with financing for high-end renovations, substantial rehabs, and estate repositioning. A4’s Fix & Flip / Rehab program brings purchase and approved renovation costs into a property-focused financing request, supported by a detailed scope, budget, and resale or refinance plan.

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Built around your project

From Acquisition to a High-End Transformation

For substantial renovations and estate repositioning, A4 considers the purchase basis, detailed renovation scope, budget, and supported finished value together.

Business-purpose financing for non-owner-occupied investment property. Broader investor programs remain available; each request is subject to underwriting.

01
A property-specific review
Site or purchase basis, plans, local comparables, and your sale or refinance exit shape the financing conversation.
02
Capital aligned with the work
Purchase and approved renovation costs are reviewed together, with draws aligned to the agreed scope of work.
03
An in-house lending team
Work with A4 on underwriting, draw administration, and servicing from initial review through repayment.

A4-funded projects

Acquisition & Renovation Capital in Practice

Our Bluffton investment shows how purchase and renovation funding work together. We also review high-end rehabs and estate repositioning.

A4-financed fix & flip home in Bluffton, SC

Bluffton, SC

$1,155,000

Fix & Flip · Single-Family

A $1.155M fix and flip loan on a single-family home set on a wooded lot in Bluffton, South Carolina. A4 funded both the acquisition and the renovation budget, giving the investor the speed needed to secure the property in a competitive Lowcountry market.

Purchase + rehab financing

Our Track Record Of Success

Loans completed
0+
Transaction Experience
$100M
Yrs Combined Experience
0+
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How are you applying today?

Rates from 8.5% · Close in 5–10 days · Loans from $500K

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Luxury Renovations, Backed by Direct Capital

Purchase and renovation financing for high-end investment homes.

Fast Closings

Close in as few as 5-7 business days, enabling you to compete with cash buyers in competitive markets

Property-First Approach

Loan decisions are based on the property’s potential, not just borrower metrics

Competitive leverage

Finance purchase and approved rehab costs up to 85% of total project cost, preserving your own capital

Luxury Renovation

Luxury Renovation & Fix & Flip Loan Terms

Review purchase and approved renovation costs together, with terms shaped around the investment property, scope of work, finished value, and exit. Maximum leverage is subject to valuation and full underwriting.

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Average Processing Time

5-10 Days

Loan Rates starting at

8.5%+

Loan-to-Value up to

Up to 75%

Loan to Cost up to

Up to 85%

Loan Size

$500K+

Prepayment Penalty

No

No Application FeeNo Income Verification

A4 Lending Areas

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Frequently Asked Questions About Fix & Flip / Rehab Loans

Luxury Renovation & Rehab Financing Questions

Every renovation project comes with unique financing considerations. Our Fix & Flip / Rehab loan FAQs cover the topics investors ask most, including property eligibility, funding timelines, renovation costs, loan terms, and the application process. Find the information you need to confidently finance, renovate, and resell your next investment property.

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