Flipping houses can be one of the most profitable strategies in real estate investing. But without the right financing, even the best opportunities can slip away. That’s where a Fix & Flip loan comes in. These short-term loans are designed to help real estate investors purchase distressed properties, fund renovations, and sell for profit—all within a tight timeline.
In this guide, we’ll walk you through how to flip a house in 6 months with a loan, step by step. We’ll also cover eligibility, loan benefits, and why working with the right financing partner can make or break your project.
👉 Ready to get started? Apply here: Fix & Flip Loans by Truss Financial Group
Why Use a Loan to Flip a House?
Many investors think they need deep pockets to flip houses, but that’s not true. Fix & Flip loans allow you to:
- Leverage financing to buy and renovate a property without tying up all your own capital.
- Move fast on deals since approvals are much quicker than traditional mortgages.
- Finance renovations and purchase together, streamlining your funding.
- Free up your cash for marketing, staging, or multiple projects at once.
Instead of waiting years to save, you can take advantage of opportunities immediately.
The 6-Month House Flipping Timeline
Flipping a property in 6 months is absolutely achievable if you follow a disciplined process. Here’s a proven roadmap:
Month 1: Secure Financing & Find the Property
- Apply for your Fix & Flip loan. With Truss Financial Group, most clients get approval in 7–10 business days.
- Look for distressed or undervalued homes in desirable neighborhoods.
- Run the numbers carefully: After Repair Value (ARV), estimated renovation costs, and expected profits.
- Once you have loan approval, make an offer and close quickly.
👉 Start your loan application here: Fix & Flip Loan Application
Months 2–3: Renovation Phase
- Hire contractors and create a detailed renovation schedule.
- Focus on high-return improvements: kitchens, bathrooms, flooring, and curb appeal.
- Keep renovations within budget—unexpected costs eat into profits.
- Communicate with contractors weekly to stay on track.
Month 4: Final Touches & Inspections
- Walk through the property and create a punch list of final tasks.
- Stage the home to make it stand out in listings.
- Schedule all required inspections to ensure the property is market-ready.
Month 5: Marketing & Listing
- Work with a real estate agent who specializes in investment properties.
- Use professional photos and highlight the upgrades.
- Price competitively to attract buyers quickly.
- Begin open houses and targeted marketing campaigns.
Month 6: Closing the Sale
- Review offers and negotiate terms.
- Accept the best offer and move toward closing.
- Pay off your Fix & Flip loan with the sale proceeds.
- Pocket your profit and move on to the next deal!
Fix & Flip Loan Benefits
When you finance with Truss Financial Group, you’ll enjoy:
- Fast Approval: Get approved in 7–10 business days.
- Flexible Terms: Loan terms typically range from 6–18 months.
- Covers Purchase & Renovations: One loan for both acquisition and rehab.
- High Approval Rates: Truss says “Yes” to 81% of applicants in 2024, compared to traditional lenders who deny nearly half.
- No Documents Required to Apply: Get pre-approved with no credit impact and no commitment.
Eligibility Requirements
To qualify for a Fix & Flip loan, you’ll need:
- A minimum credit score of 620
- Property must be non-owner-occupied
- A solid renovation plan with budget details
- Experience in real estate preferred (but not required)
- Minimum loan amount of $100,000
- Proof of financial stability and ability to repay
- No bankruptcy filings within the last 2 years
Rates and Terms
Rates are competitive and vary based on your credit score, experience, and project specifics. Reach out for a personalized quote today.
Loan terms typically run 6–18 months, giving you enough flexibility to finish renovations and sell for profit. Extensions are available if you need more time.
Expert Tips for Flipping a House in 6 Months
- Buy in the right location. Even the best renovation won’t sell fast if demand is low.
- Stick to cosmetic upgrades. Avoid projects that require major structural changes if you’re on a short timeline.
- Track every expense. Keep spreadsheets for labor, materials, and permits.
- Build a reliable contractor network. Time is money—don’t get stuck waiting for no-shows.
- Have a backup plan. If the market shifts, consider renting the property temporarily.
Frequently Asked Questions
How long does it take to get approved?
Most investors are approved within 7–10 business days.
Can I finance both purchase and renovation?
Yes, Fix & Flip loans cover both acquisition and rehab costs.
What if I don’t sell in 6 months?
Loan terms range up to 18 months, and extensions may be available.
What’s the minimum loan amount?
The minimum loan amount is $100,000.
Conclusion: Start Flipping in 6 Months
Flipping a house in 6 months is completely possible with the right financing, strategy, and team. By using a Fix & Flip loan, you can secure the property, fund renovations, and sell for profit—without draining your personal savings.
👉 Ready to get started? Apply today: Fix & Flip Loans with Truss Financial Group