Fix & Flip Loans

Rency’s Fix & Flip loans are built for speed and scale. Get up to 90% of the purchase and 100% of the rehab budget. Close in as fast as 14 days, with no prepay penalties. Simple terms, fast approvals, and funding that works as hard as you do.
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UP TO
90%

Purchase LTV

Max leverage on acquisition.

100%

Renovation Budget

Full coverage for your rehab.

75%

ARV

Strong equity-based funding.

14 Days

Closing Time

Fast, no-nonsense timelines.

620+

Min FICO

Flexible credit requirements.

$150K+

Loan Amounts

Serious capital for serious deals.

0%

No Pre-Pay Penalties

Exit on your terms—no fees, no restrictions.

Getting Started with Rency

1

Submit A Loan Request

Apply and fill out the quick form to tell us about your deal.

2

Review Loan Terms

We’ll send you competitive terms tailored to your project.

3

Deal Finalized, Funds Released

Sign and close—your funds are on the way.

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Partner with us and secure funding across the nation.

Where We Lend

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*Some loan programs are excluded. Apply to find out.

What Sets Rency Apart?

Our team understands exactly what it takes to fund successful fix-and-flip projects, so we structure loans around your real needs—not ours. We're committed to relationships first. From the moment you connect with us, you'll notice our approach: clear communication, and straightforward solutions. No gimmicks, just real people helping you get funded.

The Rency Advantage

Our fix-and-flip loans offer practical terms, competitive rates, and quick closings—typically within 14 days. The application is simple, and approvals can come within 24 hours, so you won’t lose valuable time. We work closely with you to fund projects of any size, ensuring the loan you get matches the project you're planning.

Always Clear and Upfront

At Rency, you’ll always know what you’re getting into. We'll clearly outline your loan terms and fees upfront, so there’s never any confusion. And if you have questions, just ask—we’re always here to guide you.

Ready to Get Started?

Don't let financing worries slow you down. Reach out to our team today—we'd love to hear about your project and show you how we can help.

A Smarter Approach to Real Estate Financing

Fast & Simple Funding – Minimal paperwork, quick approvals.
Direct In-House Servicing – No middlemen, just seamless transactions.
Flexible Loan Control – We manage funds efficiently to keep projects on track.
Competitive Rates – Financing that works for you, not against you.

Ready to get started?

One of our loan origination managers will be in touch within 24 hours to go over your loan details.
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The terms listed represent our highly qualified scenarios and are subject to borrower qualification, credit approval, and verification of information. Not all applicants will qualify for these terms. Rates, terms, and conditions are based on the review of both the borrower and the investment. Certain loans may be borrowed by a partnered lender as direct lending is evaluated on a case-by-case basis. Exceptions can be made to loan criteria as each loan is evaluated on a case-by-case basis.