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4GB Capital  /  Fix & Flip

Buy it, fix it, get your draws back fast.

Purchase financing plus rehab funded in draws, priced on your track record and the after-repair value. The calculator runs both leverage tests and tells you which one is actually capping your loan.

Terms

Indicative pricing.

Where a clean file lands today. Your quote moves with FICO, experience, leverage, and the property.

Indicative as of Aug 29, 2026
ExperienceExits (36 mo)Max LTC — purchase Rehab fundedMax ARVRate fromPoints
Tier A10+90%100%75%9.75%1.50
Tier B5 – 988%100%72.5%10.25%1.75
Tier C2 – 485%100%70%10.99%2.00
Tier D0 – 180%90%65%11.99%2.50
Loan size$100K – $2.5M
Term12–18 mo, IO
Extensions2 × 3 mo, 0.5 pt each
DrawsUnlimited · 2–4 day funding
PrepayNone
Min FICO660
0-point options available on this program. Zero points at closing at competitive rates, so more of your cash stays in the deal.

Rehab budget over 75% of purchase price underwrites as heavy rehab and prices to the ground-up grid. Draw inspections by desktop or third party depending on draw size.

Deal desk

Underwrite it before you send it.

Everything updates as you type. Nothing is submitted or saved.

Project & financing

Loan is capped by the LTC test.
Projected net profit
$19,640
Return on cash invested
45% ROI · 76% annualized
  • Max loan — LTC test$213,400
  • Max loan — ARV test$216,050
  • Loan amount$213,400
  • Down payment$21,600
  • Origination$3,735
  • Interest over hold$11,115
  • Carry costs$3,150
  • Closing + selling costs$25,360
  • Total cash required$44,100

Have a deal in hand?

Term sheet in one business day. No application fee, no credit pull to get pricing.

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