Fix-and-Flip Market Update: January 2026
Our monthly analysis of the fix-and-flip lending market, powered by data from 1,162 active fix-and-flip lenders in our network.
Market Highlights
Lender Activity
- 1,162 active lenders offering fix-and-flip financing
- Up 8% from Q4 2025
- Average loan size: $285,000
- Average term: 12 months
Rate Trends
| Metric | January 2026 | December 2025 | Change |
|---|---|---|---|
| Average Rate | 10.5% | 10.75% | -0.25% |
| Lowest Rate | 7.74% | 8.00% | -0.26% |
| Average Points | 2.0 | 2.25 | -0.25 |
Regional Insights
Hottest Markets
- Tampa, FL - Strong activity, competitive rates
- Phoenix, AZ - Inventory improving
- Atlanta, GA - Consistent deal flow
- Dallas, TX - Large lender presence
- Charlotte, NC - Growing market
Cooling Markets
- San Francisco Bay Area
- New York Metro
- Seattle
What Lenders Are Saying
From our network conversations:
"We're seeing more experienced flippers with solid track records. That's allowing us to offer better terms." — Regional lender, Southeast
"Competition is fierce. If you're not closing in 2 weeks, you're losing deals." — Hard money lender, Texas
News & Industry Updates
Headlines This Month
HousingWire: "Fix-and-flip activity rebounds as inventory increases in key markets."
ATTOM Data: "Gross flipping profits improved in Q4 2025, averaging $62,000 per flip."
BiggerPockets: "2026 flip forecast: More opportunities, tighter margins, faster execution required."
From Social Media
"Just closed my 12th flip of the year. Key insight: relationship with your lender matters more than ever." — @FlipperMike on X
"The days of easy flips are over. You need to be surgical with your numbers now." — Popular RE investing podcast
MoneyMatcher Data
Top Lenders This Month (By Volume)
- RCN Capital - 7.74%
- Kiavi - 8.49%
- Lima One - 7.25%
- New Silver - 8.75%
- Anchor Loans - 9.25%
Most Competitive Terms
- Fastest Close: 7 days (select lenders)
- Highest LTV: 90% of purchase
- 100% Rehab Financing: Available from 45+ lenders
Get Started
Ready to finance your next flip?
Select "Fix-and-Flip" from the loan type dropdown to match with 1,162 lenders instantly.
Monthly updates published on the 10th. Subscribe for notifications.