Fast rehab financing built on ARV, LTC, and speed to close
Fix and flip and rehab loans in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho for investors who need to move fast. Financing based on purchase price plus rehab budget with ARV and loan-to-cost underwriting, inspected draw schedules, and closings in days — not weeks. CDL Mortgage places your deal with the right private and hard money capital.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every fix and flip loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
Questions
A short-term loan funds a percentage of the purchase price plus most or all of the rehab budget. Rehab funds are released in draws as inspected work is completed, you pay interest only during the project, and the loan is repaid when the property sells or refinances.
ARV is the After Repair Value — the appraised value of the property once the rehab is finished. Most lenders lend up to roughly 65–75% of ARV, and also cap total funding at a loan-to-cost (LTC) percentage of purchase plus rehab.
Many programs start around 620–660, and some asset-based lenders go lower because approval is driven mainly by the property, the budget, and your exit strategy. Stronger credit and flip experience improve your rate and leverage.
Typically 7–14 days, and as fast as 5 days on a clean file with a ready appraisal and clear title — which is what makes these loans competitive on auction and off-market deals.
Yes. First-time flippers can qualify, usually with a larger down payment, a conservative budget, and a licensed contractor on the project. Completed flips unlock higher leverage on your next deal.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find fix and flip / rehab loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.