Cactus Capital offers Fix & Flip loans with a typical term of 12 months, longer if warranted. We offer loans that include acquisition and rehab. Interest is charged only on money that is disbursed.

 

 

Fix & Flip Loans Nationwide

Short-term loans for investors who buy, rehab, and sell. Business purpose only — not a home loan. We lend nationwide. Phoenix is home base.

How it works

Two pieces: an acquisition advance at closing, and a rehab holdback released as draws when work is done. Some files are acquisition-only (bridge, or you’re funding rehab out of pocket).

Interest-only, balloon at the end. Typical terms 6, 12, 18, or 24 months. Interest is charged either on what you’ve drawn or on the full note — we set that on the term sheet.

1–4 unit residential: SFR, townhomes, PUDs, condos. Not owner-occupied. This program does not fund mobile homes, co-ops, rural/ag, or commercial (see our commercial page for that).

First-time investors are eligible. Experience, credit, and the deal set leverage. We do not publish a rate sheet or LTV grid here — ask for a quote on the file.

What to send

- Completed application

- Photo ID

- Entity docs if you’re in an LLC or corp (articles, operating agreement, good standing, EIN)

- Credit

- Last 2 months bank statements (all pages)

- Purchase contract if you’re buying

- Track record / SREO if you’ve completed projects

Call (602) 922-3496 or email mark@cactus-capital.com.

FAQ

Is this a personal mortgage? No. Business-purpose investment property only.

Do you finance land? Not on this program. Vertical construction is a separate product and we do not finance land acquisition.

Can a first-time flipper apply? Yes. Terms depend on credit and the deal.

Do you lend outside Arizona? Yes. Nationwide. Shop is in Phoenix.

Can lend up to 92.50% total loan to cost, up to 75% ARV.