Buy It. Renovate It.
Keep More of the Profit.

An ARV (After-Repair Value) loan is a short-term investment property loan sized based on what the property will be worth after renovation — not its current distressed condition. Traditional hard money lenders typically lend 65–70% of the as-is value, leaving investors to cover a large funding gap out of pocket.

Our ARV program lends up to 100% of the purchase price plus 100% of renovation costs, not to exceed 75% of the after-repair value. This means your real constraint is the finished value of the home, not its distressed starting point — a critical difference that allows experienced investors to get into deals with little or no cash down.

It means you pay interest only on funds you’ve actually received — not the full approved loan amount. Simple example: you’re approved for a $300,000 loan — $200,000 for the purchase and $100,000 renovation holdback. At close, you draw $200,000 for the purchase. Your first month’s interest is calculated on $200,000, not $300,000.

As you complete renovation phases and draw down the holdback, your interest increases incrementally. If your average outstanding balance over a 9-month project is $240,000 instead of $300,000, that difference at 9.49% saves you roughly $5,400 in interest — real money that stays in your pocket.

The minimum FICO score is 650. However, your experience level and credit score interact: investors with 10+ completed flips in the last three years and a 720+ FICO may unlock 100% purchase price financing on loans up to $800,000 (or $1M in California). If your FICO is between 650–719, you can still qualify — leverage tiers reflect your experience level without the 100% purchase option.

Not always. Qualifying loans may close without a traditional appraisal, using a broker price opinion (BPO) or automated valuation model (AVM) instead. A standard appraisal adds 2–3 weeks to any timeline; eliminating it is one of the primary reasons we can target a 14-day close. Appraisal requirements depend on loan size, property type, and your experience level — your advisor will confirm requirements for your specific deal.

Your renovation budget is held in reserve (the “holdback”) at closing. As you complete work phases, you submit draw requests to release funds. We offer virtual draws to accelerate the process — qualifying draw requests can be reviewed and funded quickly using documentation, photos, and project milestones rather than waiting for a physical inspection every time.

This matters enormously in fast-moving markets like Central Florida and metro Atlanta, where keeping contractors paid on schedule is the difference between a smooth flip and a cost-overrun nightmare.

Yes. Investors with zero flips in the last three years are eligible. Leverage tiers are adjusted to reflect the experience level: for light or moderate rehab, new investors can finance up to 85% of the purchase price plus 100% of renovation costs, not to exceed 70% of ARV. For heavy rehab, purchase financing is up to 70% with a 60% ARV cap.

First-time investors should start with lighter renovation projects to maximize available leverage and reduce risk. Your advisor can help you structure the deal appropriately.

1–4 family homes, condos, and townhomes: $75,000 to $2,000,000. Minimum ARV of $100,000 for single-family or $75,000 for 2–4 family properties.

Multi-family (5+ units) and mixed-use properties: $250,000 to $3,000,000. Minimum ARV of $375,000.

No. There is no prepayment penalty on this program. If you complete your renovation and sell in four months instead of twelve, you simply pay off the loan balance — no penalty. This is a deliberate feature for investors who want the flexibility to exit the moment the market is right, without a lender capturing additional fees for moving quickly.

Jhenesis Mortgage actively originates ARV fix and flip loans in Florida, Georgia, Maryland, and Washington D.C. Our primary market is Central Florida — including Orlando, Tampa, Jacksonville, and surrounding areas — where we have deep familiarity with investor activity and market conditions. We also serve the greater Atlanta metro, suburban Maryland, and the D.C. proper market.

Light rehab: Cosmetic work — paint, flooring, fixtures, landscaping, minor updates. No major systems work and no structural changes.

Moderate rehab: Kitchen and bathroom renovations, HVAC, roof, electrical, or plumbing updates — but no structural modifications.

Heavy rehab: Structural changes, gut renovations, additions, foundation work, or full system replacements throughout the property.

Your rehab scope directly affects your eligible leverage tier, so accurate classification matters. Underestimating scope is one of the most common first-flip mistakes — your advisor can help you categorize correctly before you make an offer.