BUY WITH A PLAN
Purchase + renovation
Review acquisition and improvement funding together for an eligible investment property.
FIX AND FLIP FINANCING
Buy. Improve. Sell.Finance yournext flip.
See the potential in a property? Explore investment financing for the purchase and renovation, starting with a clear budget, realistic timeline and plan for the sale.
Serving Arizona, California, Indiana, Ohio and Texas.
Loan options vary by lender, property and state.
Purchase + renovationProject-based reviewA plan for the exit
For business-purpose, non-owner-occupied investment property. Financing, renovation draws and timing depend on lender approval and project requirements. No sale price, profit or closing date is guaranteed.
YOUR NEXT STEPSTEP 1 OF 2
Let’s look at your options.
Start with the property and the project.
A personal reply from Ethan
Your request has been received.
Ethan will review your inquiry and contact you personally to discuss your goals and possible next steps.
Schedule a call with EthanOptional · 20-minute phone call · Opens Google Calendar
Please don’t include financial documents here.
Illustrative concept imagery
12+ years
Mortgage experience
5 licensed states
AZ · CA · IN · OH · TX
One point of contact
Talk directly with Ethan
THE EXPERIENCE, IN THEIR WORDS
Real people.
Real mortgage stories.
A new home. A refinance. A clear next step.
Hear from clients who have worked with Ethan.
FEATURED REFINANCE CLIENT
Clear answers.
A more personal refinance.
Review summary Briana describes honest guidance and responsive communication during her refinance.
Refinance client experienceMORE CLIENT EXPERIENCES
REPEAT CLIENT
“Ethan is attentive, straight to the point, knows his stuff and works fast.”
PERSONAL ATTENTION
“He was very attentive and on the ball.”
YOUR INVESTMENT. YOUR NEXT STEP.
Let’s look at the full picture.
Share the property, purchase or payoff amount, renovation scope, timing and your planned exit.
Discuss my situationExcerpts and separately labeled summaries describe individual experiences, not guaranteed outcomes or results under a Fix and Flip loan program. Ratings are separate platform snapshots, not a combined count of unique clients.
FROM THE PURCHASE TO THE NEXT STEP
See the potential.
Plan the financing.
A good project conversation includes the acquisition, the work, the cash needed along the way and the plan to repay the loan.
DEFINE THE WORK
Renovation scope
Bring the scope of work, contractor plan and budget before making financing assumptions.
PLAN THE CASH FLOW
Renovation draws
Understand when improvement funds can be released and what you may need to pay upfront.
LOOK BEYOND THE REHAB
Sale or rental exit
Review the expected sale plan and a backup strategy if the market or timing changes.
Business-purpose, non-owner-occupied financing only. Programs, documentation and terms vary by lender and state. Not all applicants qualify. This is not a commitment to lend.
WHAT TO REVIEW TOGETHER
The project needs more than a purchase price.
Property and valueCurrent condition, purchase price and a supported after-repair value help frame the request.
Scope and budgetAn itemized renovation plan and realistic schedule help identify the funding needs.
Experience and resourcesProject history, credit, liquidity, reserves and the borrowing entity may affect available terms.
Exit and backup planReview how the loan will be repaid and what happens if work or a sale takes longer.
Short-term financing may carry higher costs than a traditional mortgage. A substantial balance may be due at maturity. Programs, eligible work and state availability vary. Private-lending program information ↗
PUT THE PROJECT IN PERSPECTIVE
Start with the costs.
See the funding gap.
Use your own estimates to organize the conversation. This illustration does not estimate an approved loan amount or lender terms.
Starting values are examples only.
YOUR COST ESTIMATE
$350,000Purchase / payoff + renovationYOUR FINANCING ASSUMPTION
$280,000Proposed loan amount enteredIllustrative funding gap$70,000
This is a planning illustration, not cash to close or a financing offer. Actual cash requirements may be higher.
Talk through my projectFunding gap = purchase price or payoff + renovation budget, minus the proposed loan amount, with a minimum of $0. A zero gap does not mean no cash is required. Additional expenses, draw timing and lender limits can increase cash needed. Renovation funds may be held back and released after work is completed and verified. Inputs stay on this page and are not submitted or saved.
THE TEAM PIKOFF APPROACH
Less guesswork.
More clarity.
You don’t need to have every answer before we talk. You just need a starting point.
Find my starting pointTell us the goal.
Share the property, purchase or payoff amount, renovation scope, timing and your planned exit.
Review the picture.
Review the budget, available cash, draw process and proposed financing before deciding what comes next.
Take the next step.
When you’re ready, continue through Barrett’s secure application and underwriting process.
YOUR MORTGAGE CONTACT
Ethan Pikoff
Loan Originator
Barrett Financial Group
Individual NMLS #1094319
View official Barrett profile A REAL PERSON. A CLEAR PLAN.
Your mortgage deserves
more than a call center.
Work directly with Ethan—from the first conversation to the next step in your financing.
A flip has moving parts from acquisition through sale. Ethan helps you organize the lending questions, understand the project review and consider the cash-flow and timing tradeoffs before you commit.
Plain-language guidanceUnderstand the reasoning behind the options.
A personal conversationTalk through your situation with the person handling it.
A practical next stepKnow what information to gather and where to start.
GOOD QUESTIONS. STRAIGHT ANSWERS.
A little clarity
before we talk.
Start with the questions that matter to your financing goals.
Ask Ethan directlyWhat is a fix-and-flip loan?
It is typically short-term business-purpose real estate financing for an investment purchase and renovation, with repayment planned around a sale or another approved exit. The property, budget and borrower are reviewed together.
Can the loan cover the purchase and renovation?
Some programs finance both parts of an eligible project, subject to leverage limits and underwriting. The amount approved, required cash and timing of funding depend on the lender and transaction.
Do I receive all renovation funds at closing?
Not necessarily. Funds may be reserved and released in draws after completed work is documented and inspected. Plan for possible upfront spending and the time between paying for work and receiving a draw.
Do I need previous experience?
Experience can affect options, pricing and project limits. Tell Ethan about your prior projects and who will manage the work. First-time investors should not assume either eligibility or ineligibility without a specific review.
Can I live in the property while renovating?
This page covers business-purpose, non-owner-occupied investment financing. It is not intended for a home you occupy or plan to occupy. Ask Ethan about other options for a personal residence.
What is after-repair value?
After-repair value, or ARV, is an estimate of the property’s value after the proposed work. A lender determines the valuation support it requires. An ARV estimate is not a guaranteed sale price or profit.
What happens if the project takes longer?
The loan still has a maturity date and required payments. Extensions may be unavailable or add costs. Review contingency funds and an alternative repayment plan before committing; failure to repay can put the property at risk.
Can I keep the property as a rental instead?
Possibly, but a long-term rental loan generally requires a separate review and approval. Rent, property condition, credit, equity and other requirements may differ. A future refinance is not guaranteed.
What should I send first?
Use this form for contact details and a general project summary. Do not include account numbers, Social Security numbers or financial documents. Ethan will explain the secure process for a contract, scope, budget and other records.
Will this inquiry check my credit?
No. A contact request does not authorize a credit report or approve a loan. Any application and separate credit authorization take place through the formal loan process.
LET’S LOOK AT THE POSSIBILITIES
Your next project.
A clearer financing plan.
Let’s talk through the property, the work and the path to repayment.