# Fix and Flip Loans

> A fix-and-flip profit calculator with hard-money costs built in, plus published terms from hard-money and DSCR lenders, compared by state.

fixandflip.loans is an independent website. Contact: the form at https://fixandflip.loans/contact/.

A free, read-only MCP server for AI assistants is at https://fixandflip.loans/mcp (fix-and-flip profit calculator, lender cost comparison, hard-money and DSCR lenders by state, one lender's published terms); setup on https://fixandflip.loans/developers/.

## Pages
- [Know your profit before the lender does](https://fixandflip.loans/): A fix-and-flip profit calculator with hard-money costs built in, and published terms from 19 hard-money and DSCR lenders, compared by state.
- [About Fix and Flip Loans](https://fixandflip.loans/about/): Who runs Fix and Flip Loans, how the calculator works, where the lender terms come from, how often they're checked, and how to report a mistake.
- [Contact Fix and Flip Loans](https://fixandflip.loans/contact/): Send Fix and Flip Loans a question or request. We read every message and reply by email.
- [Flip calculator and lender terms for AI assistants: MCP server](https://fixandflip.loans/developers/): A free, read-only MCP server: run the fix-and-flip calculator and look up hard-money and DSCR lender terms by state from Claude, ChatGPT or other assistants.
- [Fix-and-flip calculator with hard-money costs and the 70% rule](https://fixandflip.loans/fix-and-flip-calculator/): Work out flip profit, cash in and return on cash with hard-money points, interest, holding and selling costs, and check the deal against the 70% rule.
- [Ask about your flip or rental deal](https://fixandflip.loans/get-terms/): Send the numbers on an investment-property deal with your question. A person reads it and replies by email. Business-purpose loans only.
- [Guides from Fix and Flip Loans](https://fixandflip.loans/guides/): All guides from Fix and Flip Loans, newest first. Run the flip, then compare what lenders publish.
- [How we get paid](https://fixandflip.loans/how-we-get-paid/): Fix and Flip Loans is free and no lender pays it. What happens to a deal question you send, what we don't do, and how the lender table stays neutral.
- [Hard money and DSCR lenders compared by state](https://fixandflip.loans/lenders/): Published fix-and-flip and DSCR terms from 19 lenders: starting rates, loan limits, credit minimums, experience rules and the states each one lends in.
- [Anchor Loans rates and terms, as published](https://fixandflip.loans/lenders/anchor-loans/): Anchor Loans fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Asset Based Lending (ABL) rates and terms, as published](https://fixandflip.loans/lenders/asset-based-lending/): Asset Based Lending (ABL) fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Center Street Lending rates and terms, as published](https://fixandflip.loans/lenders/center-street-lending/): Center Street Lending fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [CIVIC Financial Services rates and terms, as published](https://fixandflip.loans/lenders/civic-financial/): CIVIC Financial Services fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [CoreVest Finance rates and terms, as published](https://fixandflip.loans/lenders/corevest/): CoreVest Finance fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Easy Street Capital rates and terms, as published](https://fixandflip.loans/lenders/easy-street-capital/): Easy Street Capital fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Express Capital Financing rates and terms, as published](https://fixandflip.loans/lenders/express-capital-financing/): Express Capital Financing fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Groundfloor Lending rates and terms, as published](https://fixandflip.loans/lenders/groundfloor/): Groundfloor Lending fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Kiavi rates and terms, as published](https://fixandflip.loans/lenders/kiavi/): Kiavi fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [LendingOne rates and terms, as published](https://fixandflip.loans/lenders/lendingone/): LendingOne fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Lima One Capital rates and terms, as published](https://fixandflip.loans/lenders/lima-one-capital/): Lima One Capital fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [New Silver rates and terms, as published](https://fixandflip.loans/lenders/new-silver/): New Silver fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Park Place Finance rates and terms, as published](https://fixandflip.loans/lenders/park-place-finance/): Park Place Finance fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [RCN Capital rates and terms, as published](https://fixandflip.loans/lenders/rcn-capital/): RCN Capital fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Rehab Financial Group rates and terms, as published](https://fixandflip.loans/lenders/rehab-financial-group/): Rehab Financial Group fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Roc Capital rates and terms, as published](https://fixandflip.loans/lenders/roc-capital/): Roc Capital fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Temple View Capital rates and terms, as published](https://fixandflip.loans/lenders/temple-view-capital/): Temple View Capital fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Upright rates and terms, as published](https://fixandflip.loans/lenders/upright/): Upright fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Visio Lending rates and terms, as published](https://fixandflip.loans/lenders/visio-lending/): Visio Lending fix-and-flip and DSCR loan terms from its own website, read October 24, 2026: rates, loan limits, credit score, experience and states.
- [Privacy policy](https://fixandflip.loans/privacy/): What Fix and Flip Loans collects when you visit or contact us, why, who it is shared with, and how to reach us about it.
- [Terms of use](https://fixandflip.loans/terms/): The terms that apply when you use Fix and Flip Loans, including what the information here is and is not.

## Guides
- [The 70% rule in house flipping, worked through](https://fixandflip.loans/guides/70-percent-rule/): The 70% rule says pay no more than 70% of ARV minus repairs. Where it comes from, the math on a real example, and what it does and doesn't cover.
- [DSCR loans for rental property: how the rent qualifies you](https://fixandflip.loans/guides/dscr-loans/): How DSCR lenders size a rental loan from rent instead of your income, what a 0.75 or 1.0 minimum means, and the terms 17 lenders publish.
- [How hard money and fix-and-flip loans work, with real terms](https://fixandflip.loans/guides/hard-money-loans/): Loan to cost, rehab draws, ARV caps, points and Dutch interest, explained with the terms 18 lenders publish for flips, plus bridge loans.
- [Is house flipping still profitable? ATTOM's 2026 numbers](https://fixandflip.loans/guides/house-flipping-profits-2026/): ATTOM's Q2 2026 report: 77,991 flips, a 21.5% typical gross return and $60,526 gross profit. What those figures leave out, and what they mean for your deal.
- [How house flips are taxed: short-term gains or business income](https://fixandflip.loans/guides/how-flips-are-taxed/): Flip profits are usually taxed at ordinary rates. When a flip is a short-term capital gain, when you're a dealer instead, and what the IRS says about each.