Wisconsin Fix and Flip Loan

Last Updated: April 14, 2025

Are you ready to grow your real estate portfolio in Wisconsin? Whether you're targeting undervalued homes in Milwaukee, revitalizing properties in Madison, or flipping houses in Green Bay's charming suburbs, OfferMarket’s Fix and Flip Loan Program gives you everything you need to succeed.

Our program is designed for both first-time investors and seasoned pros. With flexible funding, fast draw turnaround, and expert support, we empower you to purchase, rehab, and profit—without unnecessary red tape or hidden costs.

Why a Fix and Flip Loan in Wisconsin is a Smart Investment

Wisconsin’s real estate market is ripe with opportunity. Home prices remain competitive across many cities, yet there's increasing demand for updated and move-in-ready homes. Whether you're dealing with a small ranch-style house or a duplex that needs TLC, there's a market waiting to buy.

Here’s why investing in Wisconsin makes sense:

• Affordable property prices with room for appreciation

• High demand for renovated homes in cities like Madison and Kenosha

• Flexible inventory in both urban and rural areas

• Favorable flipping regulations and strong resale activity

With OfferMarket’s Fix and Flip Loan, you’ll have the capital, flexibility, and guidance to seize those opportunities with confidence.

Fix and Flip Profit Potential in Wisconsin

Let’s say you’ve identified a 2-bed, 1-bath single-family home in Racine, Wisconsin.

• Purchase Price: $150,000

• Rehab Budget: $35,000

• After Repair Value (ARV): $235,000

Here’s how OfferMarket helps you turn this deal into a profit:

• We fund up to 90% of your purchase price, meaning you only need $15,000 down.

• We cover 100% of your rehab budget, which you’ll access through our fast and flexible draw system.

• With an ARV of $235,000, you’re looking at a potential $50,000+ gross profit after rehab and selling expenses.

With smart budgeting and strategic upgrades, you could flip this home in just a few months—keeping your cash flow free throughout.

What You Get with OfferMarket’s Fix and Flip Loan Program

Here’s a breakdown of what makes our Wisconsin fix and flip loan so investor-friendly.

1. Loan Amount Details

• Minimum Loan: $25,000 – ideal for small entry-level flips.

• Maximum Loan: $2,000,000 – perfect for multi-unit or upscale property flips.

• How It Works: Your loan amount is directly tied to the purchase price, rehab budget, and ARV—keeping you in control of your investment potential.

2. After Repair Value (ARV) Requirements

• Minimum ARV: $100,000

• Max LTARV: Up to 75%, based on your experience. (Beginners: 70%; Pros: 75%)

• Valuation Methods: Choose from certified appraisal reports (1004 + 1007 for SFRs) or fast-track in-house valuations for faster funding decisions.

3. Funding Breakdown

• Initial Advance: Up to 90% of purchase price

  • Tiered by experience

  • Adjusted for credit score and licensing (e.g., licensed contractors get +10%)

• Construction Holdback: Up to 100% of your rehab budget

  • Disbursed via self-serve, app-based draw requests

  • Turnaround time: 0–2 days

• Down Payment: As low as $10,000 (for properties < $100K)

• Draws: No limits—get funding for both materials delivered and work completed

4. Interest Rate and Fees

• Interest Rate: Market-based and flexible—tailored to your deal.

• Origination Fee: 1.5% to 2% (minimum $2,000)

• Other Fees:

  • $270 per draw

  • $30 per wire

  • Appraisal costs (paid by you)

• Interest Accrual:

  • Under $100K: accrues on the full amount

  • Over $100K: accrues only on funds disbursed

5. Loan Term

• Standard Duration: 12 months

• Extended Terms: 18 to 24 months available for larger or complex projects

• Extensions:

  • Up to 50% of original term (e.g., 6 months on a 12-month loan)

  • Fees: 1% for 3 months, 2.5% for 6 months

6. Repayment Structure

• Monthly Payments: Interest-only

• End-of-Term: Balloon payment at maturity

• Prepayment Penalty: None—you can pay off early without penalty

• Recourse Terms:

  • 51% personal guarantee (LLC or Corp) for purchases

  • 100% guarantee for refinances

7. Exit Strategy Requirements

Whether you're flipping or refinancing into a rental, we support both paths:

• Sale Exit: Aim for a minimum 30% ROI and $15,000 net profit

• Refinance Exit: Target a 1.1 DSCR post-rehab

• Switching Plans: Want to rent instead of sell? We’ve got you covered with dual-exit flexibility

8. Eligibility Criteria

You don’t need to be a pro to qualify—just committed:

• Experience:

  • Beginners: Tier 1 (80% advance)

  • Experienced: Tier 5 (90% advance for 10+ projects)

• Credit Score:

  • Minimum 680

  • Exceptions for 660–679 with strong experience

• Entity Type: Must borrow through an LLC or Corporation

• Cash Reserves:

  • You’ll need cash to close + 25% of your rehab budget in liquid assets (checking, brokerage, or retirement accounts)

9. Project and Property Requirements

Our loans cover a wide range of eligible property types:

• 1–4 Unit Residential:

  • SFR (≥700 sq ft)

  • Duplex, Triplex, Quadplex (≥500 sq ft per unit)

  • Condos, Townhomes, PUDs (≥500 sq ft)

• Max Acreage: 5 acres

• Rehab Scope:

  • Light (under 25% of purchase price) to extensive (over 100%)

  • Rehab eligibility varies with experience

• Location Note: Available throughout Wisconsin except areas falling into excluded lending zones. (We do not lend in AK, AZ, HI, MN, ND, NV, OR, SD, UT, VT)

10. Risk and Approval Process

• Underwriting Focus:

  • ARV

  • Rehab scope

  • Your experience

  • Local market data (e.g., Milwaukee comps, rural liquidity)

• Valuation Options:

  • Appraisal or in-house

• Approval Timeline:

  • Draws: 0–2 days

  • Initial funding depends on your document turnaround

• Default Rate: Less than 0.5%—we succeed when you do

11. Support and Flexibility

We’re more than just a lender—we’re your partner from purchase to payday.

• Advisory Support: Not sure about your rehab scope or cost estimates? We provide tools and calculators to help guide you—whether you're fixing a duplex in Green Bay or updating a condo in Madison.

• Draw Inspections: Our self-serve inspection system gives you full control. Submit photos and updates through our app and get funding fast.

• Advanced Draws: Need part of your draw upfront for big-ticket items? We allow early disbursement at our discretion, especially for experienced flippers.

• On-Demand Help: Our team is available to help navigate hurdles—from permit delays to unexpected rehab issues.

With OfferMarket, you’re never flipping alone.

12. Transparency and Fine Print

We keep it simple, clear, and up-front—because that’s what you deserve.

• Sample Costs:
  Imagine a $150,000 purchase in Wisconsin. Here’s a realistic breakdown:

  • Loan advance: Up to $135,000 (90% of purchase)

  • Rehab funded: Up to $35,000

  • Fees: $2,000 origination, $270 per draw, $30 per wire, and appraisal fees

  • No prepayment penalties, no surprise interest accrual, and clear extensions if needed

• Hidden Costs? None.
  Every fee, adjustment, and condition is spelled out from the beginning.
  Complex projects or rural areas? We’ll still fund you, but you’ll see:

  • -20% advance adjustment for rural Wisconsin

  • Cap of 70% LTARV or 85–90% LTFC for extensive rehabs

Why Choose OfferMarket for Your Fix and Flip Loan in Wisconsin?

When it comes to flipping homes in Wisconsin, you need more than just funds—you need a lender who gets it. OfferMarket isn't a traditional bank with red tape and long waits. We're built for investors like you.

Here’s why real estate investors across Wisconsin trust OfferMarket:

Flexible Loan Structure
We offer up to 90% purchase financing and 100% rehab funding. Our loans are tailored to your experience level, property condition, and flip strategy—no one-size-fits-all here.

Speed That Matches Your Hustle
Draws processed in 0–2 days. Fast in-house valuations. Quick closings. We know every day counts when you’re flipping a property.

Beginner-Friendly with Room to Grow
First deal? No problem. You’ll start at Tier 1 and work your way up. Experienced? You’ll love our max LTARV and bonus advance adjustments.

No Hidden Fees
What you see is what you pay. All fees are disclosed up front—origination, draws, wires, appraisals—no back-end surprises.

Cash Flow Freedom
Interest-only payments and no prepayment penalties mean you keep more money in your pocket until it’s time to exit.

Expert Support from Day One
From reviewing your rehab budget to guiding your exit strategy, our team acts like your advisor—not just a lender.

Proven Success Record
With a default rate under 0.5%, our investors don’t just flip—they thrive. Your success is built into our process.

So whether you're flipping a starter home in Appleton or reviving a fourplex in La Crosse, OfferMarket gives you the structure, speed, and support you need to do it right.

Wisconsin Fix and Flip Loan: Documentation Requirements

To support a smooth and efficient loan approval process for your fix and flip investment in Wisconsin, we require a specific set of documents. These materials allow us to fully assess the project, verify borrower eligibility, and confirm compliance with our lending guidelines. Below is a breakdown of the documentation required for both purchase and refinance transactions.

Purchase Transaction Requirements

For all purchase transactions in Wisconsin, the following documents must be submitted:

Refinance Transaction Requirements

For refinance transactions, documentation is similar to purchases with a few key additions:

Special Requirements for Loans Over $1M

For loan amounts exceeding $1 million (up to the program maximum of $2 million), the following additional requirements apply. These ensure that high-value projects are backed by experienced investors and sound market fundamentals.

Glossary of Key Terms

Refer to the definitions below for clarity on the terminology used throughout the loan application and agreement:

Get an Instant Fix and Flip Loan Quote in Wisconsin

OfferMarket is your trusted financing partner for real estate investment projects throughout Wisconsin. Our Fix and Flip Loan Program is designed to offer flexible funding, fast approvals, and transparent terms tailored to the needs of both new and experienced investors.

Whether you’re renovating a single-family property in Anchorage or taking on a multi-unit project in Juneau, we provide:

• Competitive, experience-based loan terms

• Quick access to funds

• Clear and up-front fee structures

• Hands-on support throughout the life of your project

Start your next investment with confidence. Request your instant loan quote today and take the next step toward a successful fix and flip in Wisconsin.

Thousands of real estate investors get value from OfferMarket every month. Membership is entirely free and includes the following benefits:

💰 Private lending
☂️ Insurance rate shopping
🏚️ Off market properties
💡 Market insights