REAL ESTATE INVESTOR FINANCING

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    Express Execution

    When Winning the Property Matters More Than the Last Few Points of Leverage.

    An express fix & flip structure for competitive or time-sensitive acquisitions. No full appraisal on qualifying loans under $750K, express closing options as fast as 48 hours, and approximately 48-hour draws. The main reason to choose Express over Maximum Leverage is speed and execution.

    Program Details

    Loan Type
    Short-term express investor rehab financing
    Maximum Leverage
    Up to 93% LTC
    Rehab Financing
    Up to 100% of eligible rehab budget
    Maximum ARV
    Up to 75% ARV
    Loan Amount
    Approximately $75,000 to $5 million+
    Loan Term
    6–18 months, interest only, with extension options
    Interest Structure
    Interest only during the term
    Credit Profile
    Programs beginning around 600 FICO
    Property Types
    Residential: single family and 2–8 units depending on program
    Number of Units
    Up to approximately 8 units depending on program
    Valuation / Appraisal
    No full appraisal for qualifying loans under $750,000
    Closing Timeline
    Express options may close in approximately 48 hours on fully prepared qualifying files
    Draw Timeline
    Approximately 48-hour draw process
    Origination Point Options
    Zero origination point options
    Prepayment Penalty
    None
    First-Time Investor Eligibility
    Available when appropriately structured

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Time-sensitive acquisitions
    • Auction or competitive deals
    • Investors prioritizing execution speed
    • Deals where appraisal timing could kill the transaction

    Why Investors Choose Express

    The main reason to choose Express over Maximum Leverage is speed and execution. Express is built for competitive or time-sensitive acquisitions where winning the property and closing quickly matter more than squeezing out the last few points of leverage.

    How Rehab Funds Are Released

    As with the maximum-leverage structure, the approved rehab budget is held back and released through draws as eligible work is completed and verified — not advanced in a lump sum at closing. The express program uses an approximately 48-hour draw process once required materials are complete.

    What to Prepare

    Government ID, borrowing-entity documents when applicable, the purchase contract, property information, a line-item scope of work, the rehab budget, contractor bids or estimates where applicable, ARV information, proof of liquidity, an experience summary if applicable, and insurance evidence prior to funding.

    Who This Generally Fits

    Investors in competitive or time-sensitive acquisitions where execution speed matters more than the last few points of leverage. First-time investors welcome when appropriately structured. Programs begin around 600 FICO.

    Qualification Snapshot

    Starting Credit
    Programs beginning around 600 FICO
    Liquidity
    Required for acquisition contribution, closing & holding costs
    Rehab Budget
    Line-item scope + contractor bids/estimates
    ARV Support
    Required
    Exit Strategy
    Sale or DSCR refinance
    First-Time Investor
    Available when appropriately structured

    Published thresholds are pre-screening guidelines, not approvals. Final eligibility depends on the complete borrower profile, property, transaction, provider, and underwriting. Broader or alternative programs may be available for profiles outside these guidelines.

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

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    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a express fix & flip deal?

    Submit once. We'll review the transaction and identify potential financing paths.