Fix & Hold Loans
We offer several investor mortgage options for our borrowers. One of our most popular options is our investor fix and hold mortgage program. Commonly referred to as a BRRR loan (Buy, Rehab, Rent, & Refinance), this program is ideal for investors that are looking to close on properties quickly and begin renovation with the intention of adding the property to their portfolio.

The Fix and Hold Line of Credit allows the Borrower/Investor to draw out money as they please. Once the property's rehab project is completed we offer solutions to refinance out of the loan.

Program Overview

You do not have to have experience flipping properties. The rehab can either be minor repairs or can be ground-up construction. Borrowers are also required to have a minimum of $50K in liquid reserves (cash, stocks, bonds, Roth IRA).
  • The standard length of this program is 12 months.
  • Extensions are available for longer projects.
  • ​Borrowers can purchase multiple properties with this line of credit.
  • The investor mortgage credit line renews automatically once the property is flipped.
  • ​Investor mortgage credit lines are from 50K to 5MM.
Finally, the funding of this program is up to 90% LTV of the rehab and purchase for 1-4 units. 5+ Units projects are up to 80% LTV. The program allows for up to 75% financing of the final rehabbed property.

Eligible Properties

Fix and Flip Loans
Apartment Loans
  • Single-family Residences (SFR)
  • ​Single-family Detached Residences (SFR)
  • Condominiums
  • ​Townhomes
  • ​2-4 unit Residences
  • ​Multi-family of 5-20 units
  • ​Planned Urban Developments (PUD)
  • ​Mixed Use with less than 25% being commercial

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CTREIA Funding is a commercial lending provider focused on real estate investors and their real estate investing needs.  Founded by real estate investors for the CTREIA Members community, CTREIA Funding is uniquely built to provide investors with the right funding solutions to get their deals done.


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