Fix-and-Flip Loan Processing Services | CTC Processing LLC
Fix-and-flip loans fund the purchase and renovation of investment properties for resale. These short-term, asset-based loans require ARV appraisals, rehab budgets, and draw schedules. CTC Processing manages the documentation and draw process for Colorado real estate investors.
Key requirements
- 20–30% of purchase price as down payment
- rehab budget and scope of work
- ARV (After Repair Value) appraisal
- experience requirements (some investors require prior flips)
- 6–18 month term
- interest-only payments
Processing steps
- 1Review purchase contract and rehab scope
- 2order ARV appraisal
- 3confirm investor experience requirements
- 4set up draw schedule
- 5CTC (typically 5–10 business days for hard money)
- 6manage draws through renovation
Common conditions
- Scope of work and itemized rehab budget
- contractor bids
- ARV appraisal
- borrower experience documentation (prior flip history)
- entity documents if LLC
How we process it
ARV appraisals require detailed scope of work to value the property in improved condition. CTC reviews the scope before ordering the appraisal to ensure the appraiser has everything needed — an incomplete scope leads to revision requests that add 5–7 days.
Frequently Asked Questions
What is an ARV appraisal?
An After Repair Value (ARV) appraisal estimates the property's value after all planned renovations are complete. The loan amount is based on the ARV rather than the current as-is value. CTC orders the ARV appraisal with the full scope of work.
How are renovation draws handled?
Draws are released as renovation milestones are completed and verified by an inspector. CTC coordinates the draw schedule, notifies the inspector for each draw, and processes the draw documentation.
How fast can a fix-and-flip loan close?
Hard money fix-and-flip loans typically close in 5–14 days. CTC prioritizes speed on these files — fast closings win competitive deals for investors.
Fix-and-Flips — closed with precision.
Hand us the file. We'll handle the guideline, the conditions, and the closing.