Rehab Loans
Fast, Predictable & Reliable Funding for Flippers
Finance your next fix & flip or fix & hold project with speed and confidence. Our rehab loans cover acquisition and renovation costs with in-house construction management and draw funding—so you can focus on the project, not the paperwork.
Calculate Your Rehab Loan
Use our interactive calculator to estimate your loan amount based on purchase price, rehab budget, and ARV.
Estimated Total Loan
How It Works
From application to funding in 4 simple steps.
Submit Your Deal
Tell us about the property, purchase price, and rehab scope. We'll review and respond within 24 hours.
Get Approved
Receive your approval and terms fast. No income verification, no tax returns—we focus on the deal.
Close & Fund
We close quickly with acquisition funds at closing and rehab funds held in escrow for draws.
Draw & Complete
Request draws as you complete work. In-house management means fast inspections and funding.
Choose Your Rehab Program
We offer two rehab loan options to match your project scope and experience level.
Rehab — Cosmetic
$100K–$3M | Min. FICO 660
Perfect for non-structural renovations like kitchens, bathrooms, flooring, paint, landscaping, and more. No prior flip experience required—ideal for first-time investors.
Rehab — Structural
$100K–$2M | Min. FICO 660
For full-gut renovations and structural work including foundation, roof, load-bearing walls, additions, and major systems. Requires 2+ completed projects in the last 36 months.
Why Choose Matrix for Rehab Loans?
We're built for flippers who need speed, reliability, and support.
Fast Closings
Close in under 30 days so you never lose a deal to slow financing.
In-House Draws
No third-party delays. Request a draw, get inspected, get funded—fast.
No Pre-Pay Penalty
Sell or refinance whenever you're ready with zero prepayment penalties.
First-Timers Welcome
No experience required on cosmetic rehab loans. We'll guide you through.
Program Specifications
Full details on each rehab loan program.
Rehab — Cosmetic
$100K–$3M | Min. FICO 660Our Cosmetic Rehab Loan is designed for non-structural renovations. Perfect for first-time flippers and experienced investors alike—no prior experience required.
Rehab — Structural
$100K–$2M | Min. FICO 660Our Structural Rehab Loan is designed for full-gut renovations and projects involving structural work. Requires 2 completed rehab or construction projects in the last 36 months.
Who Is This Perfect For?
Our rehab loans are designed for investors at every stage.
Fix & Flip Investors
Get in, renovate, and exit with speed. Our rehab loans are built for investors who want to maximize ROI.
Fix & Hold (BRRRR)
Buy, rehab, rent, refinance, repeat. Use our rehab loan then transition to a DSCR loan for long-term hold.
First-Time Flippers
No experience? No problem. Our cosmetic rehab program welcomes first-time investors with full support.
High-Volume Flippers
Doing multiple deals per year? Ask about volume pricing and dedicated account management.
Wholesale Conversions
Found a wholesale deal worth keeping? We can fund your acquisition and rehab quickly.
Experienced Builders
Taking on structural work or full-gut renovations? Our structural program is built for pros like you.
Ready to Fund Your Next Flip?
Get pre-qualified in minutes. Fast approvals, fast closings, no hassle.
Apply Now