Acquisition and renovation financing

Bring the purchase, rehab plan, and exit strategy into one clear review.

Fix-and-flip financing can help eligible investors acquire and improve a property intended for resale or another documented exit. Mayday works with first-project and experienced investors and invites borrowers with credit challenges to present the complete project, capital plan, and supporting explanation.

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May be relevant for

Acquisition and renovation of eligible investment property
Light, moderate, or substantial rehabilitation with a documented scope
First-time flippers supported by a credible team and plan
Borrowers whose credit story needs context beyond a single number

Documents to prepare

Purchase contract or acquisition summary
Detailed scope of work, contractor bids, and rehab budget
Project timeline, permits, and draw expectations
Comparable-sales or valuation support and intended exit
Borrower experience, liquidity, entity, credit, and explanation documents

Review factors

Purchase basis, current condition, scope, and projected value
Budget detail, contractor readiness, permits, and timeline
Liquidity, reserves, experience, and project team
Exit strategy and complete borrower and credit profile

The complete context matters

A credit setback is context—not the entire renovation plan.

Mayday reviews credit as part of the complete inquiry rather than pretending it does not matter. A clear explanation, documented change in circumstances, liquidity, scope, contractor readiness, and exit plan can help the team understand the whole request. Every project remains subject to individual underwriting and approval.

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Program questions

Prepare for a more useful conversation.

What should a rehab budget include?

Organize labor and materials by trade, include permits and professional fees when applicable, identify contingency funds, and align the budget with the proposed timeline and exit.

Can a first-time flipper inquire?

Yes. Clearly identify that this is your first project and document your team, scope, budget, comparable support, liquidity, and exit strategy. Inquiry does not guarantee financing.

Can credit challenges be explained?

Yes. Share an accurate explanation and supporting documents. Credit remains a material underwriting factor and no explanation guarantees a particular outcome.