Fix & Flip, Bridge & Construction Loans · Polk County, IA
Fix & Flip, Bridge & Ground-Up Construction Loans
Fund the Deal. Not the Paperwork.
Polk County has an active base of real estate investors flipping, holding, and building new construction, and Stallion Loans provides business-purpose financing for each stage of that work.
$5M
Max Loan Amount
4
Loan Programs
90%
Leverage Up To
0
Tax Returns Required
The Programs
Four programs. One conversation.
Not sure which one fits your deal? That's the point of talking to us first — here's what each program is actually built for.
Fix & Flip
Buying a distressed or dated property to renovate and resell — or refinance — for a profit.
The classic flip loan. It funds both the purchase and the rehab budget in a single facility, with rehab funds released in draws as work is completed and verified. Leverage and rate depend on your experience level, credit score, and whether the scope of work is a light cosmetic refresh or a heavier structural rehab.
Bridge
Acquiring a property fast, with no renovation planned — often to beat a cash buyer, buy at auction, or bridge to permanent financing.
A straightforward acquisition or refinance loan for investors who need speed and certainty of close more than they need a construction budget. Common uses include buying a property that won't qualify for conventional financing as-is, or bridging ownership until a longer-term DSCR refinance once the property is stabilized or leased.
Ground-Up Construction
Building a new home from a vacant lot or teardown, rather than renovating an existing structure.
Finances both the land and the construction budget through one facility, with an initial advance against the land and the remaining construction funds released in staged draws as the build progresses. Built for experienced builders and investors taking a project from dirt to a finished, sellable or rentable home.
Swifty50
Investors who want the fastest possible close and the lightest documentation, and are willing to trade leverage for speed.
A deliberately lower-leverage, streamlined program for smaller acquisitions where simplicity matters more than maximizing proceeds. Lighter underwriting overhead means a faster path to closing — a good fit for investors who don't need to stretch leverage on a given deal.
The Guidelines
Real numbers, by program
Every program prices differently. Here's how each one actually qualifies — not just the headline rate.
Fix & Flip
- Loan amounts from $150,000 to $5,000,000
- Up to 90% of total project cost, up to 70% of after-repair value (ARV)
- Light or heavy rehab budgets both eligible
- First-time flippers considered; more completed projects unlock higher leverage
- Credit scores from 500 considered
- Rehab funds released in draws as work is completed
Bridge
- Loan amounts from $150,000 to $5,000,000
- Up to 75% of as-is value depending on loan size
- Purchase, rate-and-term refinance, and cash-out refinance available
- No renovation scope required — acquisition and hold only
- Minimum credit score 620
- Typical reserve requirement around 8 months of payments
Ground-Up Construction
- Loan amounts from $150,000 to $5,000,000
- Up to 85% of total cost (land + construction), up to 70% of completed value
- Initial land advance plus staged construction draws
- Minimum credit score 650
- No cash-out, no cross-collateral/blanket structuring, rural properties excluded
- Best suited to builders and investors with prior project experience
Swifty50
- Loan amounts from $100,000 to $200,000
- 40–43% of as-is value depending on loan size
- Streamlined documentation for a faster close
- Deliberately lower leverage in exchange for speed and simplicity
- Larger loan amounts available by direct quote
How It Works
Four steps from deal to draw
01
Tell Us About the Deal
Purchase price or as-is value, your budget (rehab or construction), the target after-repair or completed value, and your experience level.
02
We Match You to a Program
Fix & Flip, Bridge, Ground-Up Construction, or Swifty50 — we find the best-fitting program and shop it across our wholesale lending partners.
03
Get Your Term Sheet
No personal tax returns or W-2s required. Terms are driven by the deal, the property, and your track record as an investor.
04
Close and Draw as You Go
Rehab and construction funds are released in draws as work is completed and verified, keeping your cash working across more deals.
Loan Calculator
See what your deal qualifies for
Pick your program and enter the deal's numbers — we'll estimate your loan amount, cash to close, and monthly payment automatically.
Fix & Flip Estimate
Total Project Cost
$0
Loan Amount
$0
Estimated Cash to Close
$0
Initial Land Advance
$0
Estimated Monthly Payment (Interest-Only)
$0
Leverage Used
—
Estimate only. Actual leverage, rate, and terms are determined by full underwriting of the property, budget, and borrower profile. Not a commitment to lend.
Frequently Asked Questions
Straight answers for investors and builders
What is the difference between Fix & Flip, Bridge, and Ground-Up Construction? +
Fix & Flip funds the purchase and renovation of an existing property you plan to resell or refinance. Bridge funds an acquisition or refinance with no renovation involved — just speed and certainty of close. Ground-Up Construction funds building a brand-new home on vacant land, from the ground up.
What is Swifty50? +
Swifty50 is a streamlined, lower-leverage program for investors who want the fastest possible close with the lightest documentation, on loan amounts between $100,000 and $200,000. You trade some leverage for speed and simplicity.
Do I need to show personal tax returns or W-2s? +
No. These are business-purpose loans. Qualification is based on the deal itself — the property, the budget, your credit, and your experience as an investor — not your personal income documentation.
What is AIV and ARV? +
AIV (As-Is Value) is what the property is worth today, in its current condition. ARV (After-Repair Value) is what it's expected to be worth once renovation or construction is complete. Loan leverage is measured against both, and whichever cap is lower usually determines your loan amount.
Do I need prior flipping or construction experience? +
No — first-time investors are eligible on Fix & Flip. More completed projects unlock higher leverage and better pricing, but experience is not a hard requirement to get started. Ground-Up Construction generally rewards prior project experience more heavily.
How are rehab or construction funds disbursed? +
In draws. An initial advance is made at closing, and the remaining rehab or construction budget is released in stages as work is completed and verified, keeping your cash working across more deals instead of sitting in one property.
What credit score do I need? +
Fix & Flip and Swifty50 consider scores as low as 500. Bridge requires a minimum of 620. Ground-Up Construction requires a minimum of 650. Stronger credit unlocks higher leverage and better pricing on every program.
What loan amounts are available? +
Fix & Flip, Bridge, and Ground-Up Construction range from $150,000 to $5,000,000. Swifty50 is published from $100,000 to $200,000, with larger amounts available by direct quote.
Can I finance multiple properties under one loan? +
Cross-collateral (blanket) structuring is available on Fix & Flip and Bridge for qualifying investors with multiple properties. Ground-Up Construction is structured one property per loan.
Ready to Fund Your Next Project?
Tell us about the deal. We'll tell you what it qualifies for.
Melvin Kelly, President · NMLS #978991
Get Your Free Term Sheet Estimate
Tell us about the property and the project — we'll follow up with real numbers, most investors hear back the same business day.
Thank you.
Your request has been received — we'll be in touch shortly.