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Rehab Lines of Credit

Rehab Lines of Credit

For investors running several projects at once. Get approved one time, then fund each new purchase and rehab from your line without re-qualifying.

Line size$5MUp to, revolving
Per property$2.5MUp to, per project
Loan-to-cost90%Up to, of purchase plus rehab
Credit score680Minimum
Who it's for

Built for investors who close deal after deal

A line of credit replaces a new loan application for every project. You are underwritten once, and each property is added to the line as you buy it.

Repeat flippers

Investors running several renovations at the same time.

Buy-and-hold investors

Rehab several rentals at once, then refinance each into a long-term loan.

Fast acquisitions

Move on auctions and off-market deals without waiting on a new approval.

Single-family homes

Detached homes and townhomes bought to renovate.

2–4 unit properties

Duplexes, triplexes and fourplexes.

Condos and townhomes

Attached units renovated for resale or rent.

Program terms

Rehab line of credit terms

The best terms available across our lending partners. Lines are sized to your track record, credit and liquidity.

Line size
Up to $5,000,000 total exposure
Per property
Up to $2,500,000
Structure
Revolving. Repay a project and that amount is available again
Payments
Interest only, charged only on the amount drawn
Minimum credit score
680
Loan-to-cost
Up to 90% of purchase plus rehab, per property
After-repair value
Up to 70% of ARV, per property
Approval
Underwritten once. Properties are added without re-qualifying you
Draw period
At least 6 months, with renewals available
Eligible uses
Purchase plus rehab, or refinance plus rehab
Experience
Established track record of completed projects required; more exits earn better pricing
Borrower
LLC or corporation with a personal guarantee
How it works

Approve once, fund every deal

Qualify once

The lender reviews your track record, credit and liquidity and sets the size of your line.

Add properties

Submit each deal as you find it. The property is reviewed and funded from the line without a new borrower approval.

Repay and reuse

When a project sells or refinances, the payoff goes back into the line for your next deal.

What you'll need

Documents checklist

  • Driver's license for each guarantor
  • LLC or corporate documents (articles, operating agreement, EIN letter)
  • Track record of completed projects in the last 36 months
  • Schedule of real estate owned
  • Two months of bank statements showing liquidity
  • For each property: purchase contract, scope of work and rehab budget
  • Property insurance for each property
Example

How a revolving line works

You pay interest only on what is drawn. Paying off a project frees up that amount for the next one.

Available = Line size − Outstanding draws
Approved line$3,000,000 Projects A, B and C drawn$2,500,000 Available today$500,000 Project A sells and repays$600,000 Available after payoff$1,100,000

Interest accrues only on the $2,500,000 drawn, not the full $3,000,000 line.

Common questions

Rehab line of credit FAQ

How much experience do I need?

Lines of credit are for investors with an established track record. Lenders look at completed projects over the last three years, and more exits earn better pricing.

Do I pay interest on the whole line?

No. You pay interest only on the amount you have drawn.

Is a line better than separate loans?

If you close several projects a year, a line saves you a full approval on every deal and lets you move faster on acquisitions. For one or two projects, a single fix and flip loan is usually simpler.

I'm newer to investing. What should I use?

Start with a fix and flip or fix and hold loan. Once you have completed projects, we can move you to a line.

Can I use the line on a home I'll live in?

No. Lines of credit are business-purpose financing for investment property only.

Ready to scale your projects?

Tell us about your track record and pipeline. We'll find the line that fits.

Get Started

Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower qualifies for every term. Line sizes, leverage, pricing and eligibility vary by lender, experience, liquidity, credit profile and state. Business-purpose financing on non-owner-occupied property only. All lines and loans are subject to lender review and approval.