Renovation Loans
Finance the purchase and renovation of a property in a single loan. Ideal for investors who want to add value and refinance or sell.
Available in all 50 states
Reno Boost — Investor Renovation Loan
Purchase + renovation in one loan. Qualify based on ARV — no personal income needed. Designed for active investors.
- Up to 75–80% ARV (70% ARV in Texas market)
- Interest-only payments during renovation period
- Construction draws as work is completed
- No income or employment verification
- FICO from 620 · Residential and commercial
FHA 203(k) Renovation
Government-backed renovation loan for primary residences. Low down payment.
- 3.5% down payment
- Standard and Streamline versions
- Up to $35,000 in repairs (Streamline)
- Primary residence only
- FICO from 580
Conventional HomeStyle Renovation
Fannie Mae renovation loan for primary, second home or investment property.
- As little as 3% down (primary)
- Investment property eligible (15–25% down)
- Wide range of improvements allowed
- Luxury improvements OK
- FICO from 620
Rental Renovation DSCR
Renovate a rental property using projected rents to qualify. No personal income.
- Based on stabilized rental income (ARV rents)
- Fund purchase + renovation in one loan
- Refinance-out upon completion
- BRRRR strategy friendly
- Single family and 1–4 units
Requirements
- FICO 580–620+ depending on program
- Detailed scope of work from licensed contractor
- Property in US (all states)
- Exit strategy: sell, refi or hold
- Draws tied to construction progress