“Sky 18 Capital reviewed our deal quickly and gave us clear terms from the start. Their communication made the entire lending process feel simple and organized.”
Program 01 — Fix and Flip
Fix and Flip Loans
Fix and Flip Loans
for Real Estate Investors
Sky 18 Capital offers private lending for non-owner-occupied residential investment properties. Whether you're acquiring a property, financing renovations, refinancing or pulling cash out for your next deal, our fix-and-flip program is built around how investors actually work.
What a fix-and-flip loan
can help fund
A Fix and Flip loan from Sky 18 Capital is designed for investors and builders working on non-owner-occupied residential investment properties. The following scenarios are commonly reviewed for this program:
Purchase and Renovation
Acquire an investment property and access capital to support renovation work as part of the same loan.
Rehab Budget Support
Sky 18 Capital reviews loan scenarios that include rehab budgets up to and including 100% rehab support.
Refinance or Cash-Out
Refinance an existing loan on an investment property or access cash out from the equity in the property.
Short-Term Investment Capital
Designed for short-term holding periods rather than long-term ownership.
Fix-and-flip
loan rates and terms
The figures below are published guidelines. Final terms always depend on the property, borrower profile, documentation, market conditions and underwriting review.
| Term | Detail |
|---|---|
| Rate | 8.99% – 11.99% |
| Loan amount | $2M – $10M |
| Property Types | SFR, 1–4 units, condos, townhomes, commercial properties, land |
| LTV / LTC | Up to 85% LTV (Purchase) and 70% up to 100% rehab |
| Term | 6 – 24 months |
| Payments | Interest-only |
| Interest Type | Non-Dutch |
| Min FICO | 600+ |
| Occupancy | Non-owner-occupied |
| Service Area | Nationwide lending; Florida-based contact team |
Note: Published rates, terms and guidelines are subject to review and are not guaranteed. Sky 18 Capital lends to non-owner-occupied investment properties only.
Why investors choose Sky 18
capital for fix and flip loans
01
Property-Focused Review
Sky 18 Capital reviews each scenario based on the property, borrower profile, loan structure and exit strategy.
02
Builder and Investor Support
Programs designed for real estate investors and builders working on non-owner-occupied residential investment properties.
03
Support for Larger Projects
Published loan amounts go up to $10M for eligible scenarios, with structure reviewed on a per-deal basis.
04
Relationship-Led Lending
The team emphasizes knowing borrowers, building relationships and providing a transparent, professional loan process.
Client Feedback
What investors say
What investors say
about working with Sky 18
“We had a time-sensitive investment property and needed a lender who could move fast. Sky 18 helped us stay on schedule and close with confidence.”
“As a referral partner, I appreciate lenders who are responsive and direct. Sky 18 Capital takes the time to understand the deal and keeps everyone informed.”
“The team was professional, transparent and supportive from the first call through closing. We always knew what was needed and what came next.”
How the fix-and-flip
loan process works
-
1
Submit the Deal
Share property details, loan purpose and timeline.
-
2
Deal Review
We review the scenario, property and borrower profile.
-
3
Discuss Terms
If aligned, possible structure and terms are discussed.
-
4
Provide Documents
Submit the supporting documents for underwriting review.
-
5
Move Toward Closing
Final approval and funding once requirements are complete.
Fix and flip loan
requirements
Having these prepared ahead of time helps Sky 18 Capital review the scenario and discuss possible terms more efficiently.
Borrower Profile
Entity documents, ID, credit authorization.
Property Details
Address, type and current condition.
Loan Purpose
Purchase, refinance, cash-out or rehab.
Rehab Scope & Budget
Scope of work, contractor estimates, budget.
Exit Strategy
Sale, refinance or other planned exit.
Insurance & Closing
Property insurance and settlement contact.
FAQs
Frequently asked
Frequently asked
questions
Answers about the fix-and-flip lending program at Sky 18 Capital.
Published rates currently start in the 8.99% – 11.99% range. Final pricing depends on the property, borrower profile, loan structure and underwriting review.
Real estate investors and builders working on non-owner-occupied residential investment properties — for purchase, renovation, refinance or cash-out scenarios.
Yes — published guidance includes rehab budget support up to and including 100% of rehab costs on eligible scenarios, subject to the scope of work and review.
SFR, 1–4 units, condos, townhomes, commercial properties and land are listed as property types reviewed under this program.
Published guidance lists a 600+ minimum FICO. Final eligibility depends on the full borrower profile and scenario review.
No. Sky 18 Capital lends to non-owner-occupied investment properties only.
Speed depends on the scenario, documentation and underwriting review. The team works to provide clear timelines once a deal is reviewed.
Explore other private
lending programs
Contact Us
For any inquiries,
For any inquiries,
please call or email us
- +1 (305) 705-4434 Call us
- +1 (786) 280-9650 Alternate line
- [email protected] Email us
- 1108 NE 125th St, Unit 202 North Miami, FL 33161, USA