How to Buy Investment Properties With 90% LTC & 100% Rehab Financing
Finding a great investment property is only half the battle. Having the right financing can determine whether you can actually close the deal and complete the renovation.
For fix-and-flip investors, financing programs offering up to 90% Loan-to-Cost (LTC) and 100% of eligible rehab costs can help reduce the amount of cash an investor needs to bring to the table—subject to program guidelines, property qualifications, and borrower experience.
How Does 90% LTC & 100% Rehab Financing Work?
LTC measures the loan amount against the total project cost, which can include the acquisition price and eligible renovation costs.
With a 90% LTC program, an investor may be able to finance a significant portion of the total project cost while potentially financing 100% of the approved renovation budget.
For example, if a project has:
- Purchase price: $200,000
- Eligible rehab budget: $75,000
- Total project cost: $275,000
A 90% LTC structure could potentially provide financing of up to $247,500, while the approved rehab costs may be financed according to the program structure.
The actual loan amount, required cash contribution, interest, fees, and rehab draws will depend on the specific deal and underwriting.
Why Investors Pay Attention to These Programs
For investors, the benefit isn’t simply borrowing more money. It’s about preserving available capital.
Keeping more cash available can potentially help an investor:
✅ Take on additional investment opportunities
✅ Maintain reserves for unexpected project costs
✅ Fund multiple projects over time
✅ Reduce the amount of personal capital tied up in one property
✅ Move quickly when the right deal becomes available
The Numbers Still Matter
High-leverage financing doesn’t turn a bad deal into a good deal.
Investors should carefully evaluate the purchase price, renovation budget, After Repair Value (ARV), holding costs, financing costs, resale expenses, and expected profit before moving forward.
A strong deal should work because the numbers make sense—not simply because the financing is available.
Want to Learn More?
If you’re looking for a fix-and-flip financing strategy with up to 90% LTC and 100% rehab financing, JCREIG Capital Funding may have a program that fits your next project.
We’ve put together a complete guide explaining how this financing structure works, what investors should consider, and how to evaluate whether it makes sense for a specific deal.
Ready to Fund Your Next Flip?
Bring us your deal—and keep more of your capital working for you. With JCREIG Capital Funding’s investor-focused fix-and-flip financing, you may be able to access up to 90% LTC and 100% of eligible rehab costs to move from contract to construction with confidence.
Don’t let limited cash stop your next opportunity. Get your project funded and start building your next win.
📞 Call (561) 303-0334 today
🌐 Visit https://jcreigcapitalfunding.com/get-a-quote
👉 Read the Full Article
How to Buy Investment Properties With 90% LTC & 100% Rehab Financing
Read the full article on JCREIG Capital Funding
Have a deal under contract? Let’s talk about your financing options.
📞 (561) 303-0334
🌐 www.JCREIGCapitalFunding.com
Loan programs, leverage, terms, fees, and underwriting requirements are subject to change and vary by borrower, property, and program guidelines. Financing is subject to approval. This content is for educational purposes only and is not a commitment to lend.
