Where can I get a fix and flip loan near me in Newport Beach?

Our Newport Beach office at 4000 MacArthur Blvd, Suite 600, Newport Beach, CA 92660 handles fix-and-flip loans for Orange County investors. Save Financial is a licensed California mortgage broker (NMLS #377740, DRE #01875766) that shops investor lenders for your leverage and closing speed. Call (949) 379-5320. These are business-purpose loans for non-owner-occupied properties.

How much does a fix-and-flip loan cover?

Up to 90% of the purchase and 100% of the rehab, capped at 75% of the after-repair value (ARV). Renovation funds release in draws as inspected milestones are completed.

Is personal income required for a fix-and-flip loan?

Not in the traditional way — qualifying is based on the deal's after-repair value (ARV), since these are business-purpose investor loans rather than consumer mortgages.

How much down payment do OC flippers need?

Experienced flippers (2–3 completed deals) generally put down about 10%; first-timers usually bring around 20%. Our first-flipper program offers higher leverage for new investors paired with an experienced contractor.

How quickly can it close?

Typically about 10 days from a complete application — fast enough to compete with cash offers in Orange County's market.

Can I use it for a BRRRR strategy in OC?

Yes — acquire and rehab with the fix-and-flip loan, then refinance into a long-term DSCR or conventional loan once the property is rented and stabilized.

What are the terms and loan sizes?

6–18 months, interest-only, from $50K to $5M. You exit by selling the property or refinancing into long-term financing.

Are you a bank or a broker?

We're an independent mortgage broker (NMLS #377740, DRE #01875766), so we shop investor lenders for the best leverage, draw structure, and speed rather than offering one lender's box.

Which Orange County areas do you serve from this office?

All of Orange County and beyond — including Newport Beach, Corona del Mar, Balboa Island, Costa Mesa, Irvine, Huntington Beach, and more — plus every California county.

Fix & Flip · Newport Beach, CA

Fix & Flip Loans in Newport Beach — ARV-Based Investor Financing from a Local Broker

A fix-and-flip loan in Newport Beach is short-term, business-purpose financing covering up to 90% of the purchase and 100% of the rehab (to 75% of ARV), qualified on the deal's after-repair value rather than personal income. Save Financial (NMLS #377740), a local broker at 4000 MacArthur Blvd, Suite 600, shops investor lenders and closes fast. Call (949) 379-5320.

Orange County is prime value-add territory — older Costa Mesa and Tustin homes ripe for renovation, coastal properties with upside, and a deep bench of active flippers and BRRRR investors. A fix-and-flip loan covers up to 90% of the purchase and 100% of the rehab (to 75% of ARV) and underwrites the deal's after-repair value, not your personal income. In a fast, competitive OC market, that leverage plus a roughly 10-day close lets an investor compete with cash buyers instead of losing the property to them.

Looking for a Fix & Flip Loan Near You in Newport Beach?

Our Orange County home office lets an investor sit down in person with a licensed loan officer, walk through the deal's numbers and ARV, and line up leverage and draw funding fast — not through a distant call center.

Save Financial — Newport Beach office
4000 MacArthur Blvd, Suite 600, Newport Beach, CA 92660
Phone: (949) 379-5320
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT

The office is in the Newport Center / airport area just off MacArthur and Jamboree, with easy access from the 73 toll road and the 405. We serve Orange County investors from our Newport Beach office across the neighborhoods below.

Areas We Serve Near Our Newport Beach Office

Here is how fix-and-flip financing tends to fit for investors across the areas we cover from Newport Beach:

Newport Beach: coastal value-add flips financed on ARV with fast closings.
Corona del Mar: high-basis rehabs using 90% purchase + 100% rehab leverage.
Balboa Island: island property flips underwritten on after-repair value.
Costa Mesa: older-home rehabs and BRRRR acquisitions near South Coast.
Irvine: condo and townhome value-add projects exited into DSCR.
Huntington Beach: coastal flips and value-add holds with draw funding.
Laguna Beach: higher-basis coastal rehabs needing strong leverage.
Tustin: single-family rehabs and BRRRR projects in the hills and flats.
Newport Coast: high-value estate rehabs qualified on ARV, not W-2 income.

These are service areas of our Newport Beach office, not separate offices.

How a Fix & Flip Loan Works

A fix-and-flip loan is short-term, business-purpose financing for a non-owner-occupied investment property you plan to renovate and resell (or refinance). It funds up to 90% of the purchase price and 100% of the renovation costs, capped at 75% of the after-repair value (ARV), and it qualifies on the deal's ARV rather than your personal income.

Terms run 6–18 months, interest-only. Up to 90% of the purchase funds at closing, and the rehab budget releases in draws as inspected milestones are met. In Orange County's fast market, financing 100% of the rehab and closing in roughly 10 days is what lets an investor compete with cash offers.

First-time flippers typically bring about 20% down (vs. ~10% for experienced flippers with 2–3 completed projects); our ‘first flipper’ program allows higher leverage for new investors paired with an experienced contractor or partner. Loan sizes run $50K–$5M. Fix-and-flip loans are business-purpose financing for non-owner-occupied investment properties — they are not consumer mortgages for a primary residence. Save Financial, NMLS #377740, DRE #01875766.

Common Fix & Flip Scenarios for Orange County Investors

A seasoned OC flipper acquiring a Costa Mesa home at ~10% down with full rehab funding.
A first-time flipper at ~20% down using the first-flipper program with an experienced partner.
A BRRRR investor buying in Tustin, then refinancing into a DSCR loan after rent stabilizes.
A value-add buyer funding an Irvine condo renovation via draw releases.
An investor using a ~10-day close to win against cash buyers on a coastal property.

Is a Fix & Flip Loan Right for You?

You're buying a non-owner-occupied OC investment property to rehab and flip or hold.
The numbers work on ARV, with total leverage within 75% of after-repair value.
You want 90% purchase + 100% rehab financing released in inspected draws.
You're experienced (~10% down) or new (~20% down) with an experienced contractor/partner.

Fix & Flip vs. Hard Money vs. DSCR

Investors usually weigh these three depending on the strategy and the exit:

For a Orange County investor	Fix & Flip	Hard Money (bridge)	DSCR (long-term hold)
Purpose	Buy + renovate for resale or refi	Fast, short-term investor bridge	Long-term rental hold
Term	6–18 months, interest-only	Short-term	30-year
Qualifies on	The deal's after-repair value (ARV)	Asset / equity	Property rental cash flow (DSCR)
Rehab funds	Yes — up to 100%, released in draws	Sometimes	No
Leverage	Up to 90% purchase + 100% rehab (75% ARV cap)	Varies by equity	Purchase LTV
Best for	Orange County flippers & BRRRR acquisition	A fast close or bridge	Buy-and-hold refinance

Many BRRRR investors use fix & flip to acquire and rehab, then refinance into DSCR to hold. We'll structure the acquisition and the exit together.

Why Work With a Local Newport Beach Mortgage Broker?

Investor lending rewards speed and lender access. As a broker, Save Financial shops fix-and-flip lenders for your leverage, draw terms, and closing speed — and because our office is in Orange County, we know local ARVs, the OC value-add market, and how to package a deal that closes in about 10 days.

Bring your deal and scope of work in, and get straight answers from a licensed local loan officer. Call the Newport Beach office directly at (949) 379-5320. Fix-and-flip loans are business-purpose financing for non-owner-occupied investment properties — they are not consumer mortgages for a primary residence. Save Financial, NMLS #377740, DRE #01875766.

How to Get a Fix & Flip Loan with Save Financial

Bring the OC deal: purchase price, rehab budget, and ARV. Call (949) 379-5320 or start online.
We size against ARV (90% purchase / 100% rehab / 75% ARV cap) and confirm your experience tier.
We compare investor lenders and present leverage, draws, and terms.
You close in ~10 days, draw through the rehab, and exit by sale or refinance into DSCR/conventional.

Serving Newport Beach: Save Financial arranges these loans in Newport Beach and across Orange County from our Newport Beach office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 949-379-5320 or apply online.