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100% LTC Fix and Flip Program: What Jaken Finance Group Looks For
100% LTC fix and flip financing explained — credit, cash reserves, metro vs rural deals, and why the easiest approvals often start at 30–40% equity.
Investors have been asking for specifics on Jaken Finance Group’s 100% LTC fix and flip program — what actually qualifies, what still kills a file, and why maximum leverage does not mean zero cash. This breakdown covers the high-level underwriting lens we use before we can say yes to a deal.
What is 100% LTC on a fix and flip?
100% loan-to-cost (LTC) means the lender may fund the full stack of acquisition and rehab — or close to it — when the deal economics and borrower profile support that leverage. It is hard money for investors, not a bank owner-occupied product.
The property and the numbers always matter. But at max leverage, we are also underwriting whether you can close, carry, rehab, and repay on time — not just whether the spreadsheet looks exciting.
For program overview and application paths, see our 100% financing page and fix-and-flip submission form.
Is there a minimum credit score?
There is no hard minimum FICO on the program — but credit still signals whether you are likely to perform.
If you are at a 500 FICO with no cash, the probability you complete the project and pay the loan back on time is low. That is the honest reality. Decent credit does not have to mean perfect credit; it means enough track record that the lender can trust you will honor the obligation through exit.
Pair this with our deeper guide on 100% fix and flip financing requirements for how liquidity and borrower pitch affect approval.
Market type: metro vs rural
Strong major metro markets with solid comps are the easiest fit. We need a clear exit and market data supporting your ARV — not a hopeful number on a thin comp set.
Rural deals are reviewed case by case. They can work, but the file needs tighter margin, believable exit demand, and rehab scope that matches the market. See rural hard money lending if your deal is outside a primary metro.
Why you still need cash at 100% LTC
Even at 100% LTC, zero cash will not get it done. You still need reserves for:
- Closing costs
- Monthly payments during the hold
- Rehab startup before draws hit
Maximum leverage covers the funded stack — not every out-of-pocket cost you hit between contract and sale. Investors who show up with liquidity move faster through underwriting and draw requests.
Which deals get approved fastest?
The easiest files to approve often have 30–40% equity in the deal — strong margin in the numbers even when you are asking for high leverage elsewhere in the stack.
Heavy rehabs get scrutinized tightly at or near 100% LTC. Thin margin plus big scope plus inexperienced execution is a hard combination. Line-item budgets, credible contractors, and realistic timelines help.
Understanding how leverage is calculated helps you package the file: Understanding LTV and LTC.
How to get a same-day answer on your deal
We cannot give deal-specific terms in a general article — every file is different. If you have an address, purchase price, ARV, rehab scope, and what you bring to the table:
- Submit your fix-and-flip scenario — fastest path for property-specific leverage review
- Get approved online — pick your loan type and start pre-qualification
- Call (833) 264-7776 to speak with a lending specialist
Submit the deal — we will get you an answer right away.
In this video
- 0:00 — Why investors are asking for 100% LTC program details
- 0:07 — No minimum credit, but weak credit + no cash is a low-probability file
- 0:28 — Metro markets, rural case-by-case, ARV and exit support
- 0:45 — Cash still required for closing, payments, and rehab startup
- 0:52 — Easiest approvals at 30–40% equity; heavy rehabs reviewed tightly
Full transcript
We’ve been sending a lot of marketing material out about the 100 LTC program and people want details. So, I’ll give you kind of the high-level details. Obviously, the deal matters itself, but long story short, there is no minimum credit, but obviously if you’re rocking a 500 FICO and you have no cash, it’s a low probability that you’ll complete the deal and pay it back on time. That’s just the reality of it. Good major metro market with solid comps. That’s one of the big ones. We’ll look at rural case by case, but there’s got to be a clear exit and market data supporting your ARV. You still do need cash on hand. You got to pay closing costs. You got to make monthly payments. You got to get the rehab started. So, zero cash, even though it’s at 100 LTC, will not get it done. The best deals, the easiest deals to get approved are, you know, 30–40% of the purchase price. Heavy rehabs are going to be looked at very tightly. I know that doesn’t give specifics, but if you submit a deal, I’ll get you an answer right away.
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. Closing times are in business days and commence upon receipt of appraisal payment and satisfaction of borrower conditions. Closing times may be delayed due to appraiser property access. All loans are subject to full underwriting for loan approvals. Jaken Finance Group only finances non-owner occupied investment properties.