For many new real estate investors, the biggest hurdle isn’t finding a property or knowing what renovations to make—it’s accessing the right financing. Traditional lenders are often unwilling to take a chance on inexperienced flippers, even if they have strong credit and the right deal lined up.
At Roc Capital, we believe new investors deserve the opportunity to get started and scale. That’s why we’ve introduced our High FICO Fix & Flip Program, designed specifically for borrowers with strong credit but limited—or no—experience.
This program opens the door to higher leverage, faster growth, and expanded opportunities for borrowers, originators, and private lenders alike.
What Is the High FICO Fix & Flip Program?
The High FICO program was built to support first-time or inexperienced flippers who may not have a track record but demonstrate strong financial responsibility.
Here’s what makes the program stand out:
Program Highlights at a Glance
Feature | Details |
Borrower Requirement | 740+ FICO, no prior experience required |
Maximum Loan Amount | Up to $750,000 |
Purchase Financing | Up to 90% of the purchase price |
Rehab/Holdback Financing | Up to 100% of holdback costs |
Loan Purpose | Fix & Flip projects for new investors |
As Neil Agarwal, Relationship Manager at Roc Capital, explains:
“Leverage is everything in this business. To give a new borrower 90% of purchase and 100% of holdback—even with no experience—is absolutely great. It’s a win-win for both lenders and borrowers.”
Why It Matters for Borrowers
For new investors, access to financing is often the biggest barrier. Saving enough to cover purchase and renovation costs out-of-pocket can delay or even prevent them from getting started.
With this program, borrowers can:
- Break into the fix and flip market with lower upfront capital requirements.
- Leverage strong credit to secure favorable terms.
Gain experience and credibility with each completed project. - Build momentum to expand into more flips or long-term rentals.
In short, this program helps turn first-time flippers into repeat investors.
Why It Matters for Originators and Private Lenders
Originators and private lenders benefit just as much as borrowers.
- Expand Your Client Base: Attract high-FICO borrowers who were previously locked out due to a lack of experience.
- Increase Deal Volume: More eligible borrowers mean more funded projects.
- Build Long-Term Relationships: First-time flippers often become long-term clients who return for future financing.
- Differentiate Your Offerings: Stand out in a crowded market by presenting a solution banks won’t touch.
As Neil notes, “It’s a win-win situation. For you as the lender or third-party originator, you now have the opportunity to bring in more business, which means making more money.”
How to Get Started With the High FICO Fix & Flip Program
Getting approved for financing can feel intimidating, especially for first-time investors. That’s why Roc Capital has designed the High FICO Program to be straightforward and transparent. Here’s what the process looks like:
Step 1: Confirm Eligibility
Borrowers should first confirm they meet the credit score requirement (740+) and are pursuing a Fix & Flip project. No prior flipping experience is needed.
Step 2: Gather Basic Documentation
Unlike traditional banks, Roc Capital doesn’t require endless paperwork. Borrowers typically provide:
- Property details (address, purchase price, rehab plan).
- Proof of credit score.
- Basic financial background for verification.
Step 3: Submit the Application
Originators and private lenders can submit deals through Roc Capital’s platform, which is built to simplify and accelerate the process.
Step 4: Underwriting & Approval
Roc Capital focuses on the deal and property potential rather than years of borrower experience. This means underwriters will look at the scope of work, ARV (after-repair value), and creditworthiness.
Step 5: Close and Fund
Once approved, borrowers can close quickly, often in weeks—not months. Funds are released for both the property purchase and rehab holdback, so the investor can move forward with confidence.
The Takeaway: The High FICO Program is designed to get new investors into the market quickly, without the red tape of big banks. For originators, it’s a frictionless process that makes closing deals easier.
Tips for First-Time Fix & Flip Investors
Financing is just one part of the equation—executing a successful flip requires planning and smart decisions. Here are some strategies for new investors entering the market with Roc Capital’s High FICO Program:
1. Start With Manageable Projects
It’s tempting to take on the biggest fixer-upper you can find, but first-time flippers often succeed when they start smaller. Cosmetic renovations like paint, flooring, and kitchens are easier to manage and still add significant value.
2. Build a Reliable Team
It’s tempting to take on the biggest fixer-upper you can find, but first-time flippers often succeed when they start smaller. Cosmetic renovations like paint, flooring, and kitchens are easier to manage and still add significant value.
3. Focus on the Numbers
Run your numbers conservatively:
- Use comps from the last 3–6 months to estimate ARV.
- Add 10–15% to your rehab budget for surprises.
- Always factor in carrying costs like taxes, utilities, and insurance.
4. Leverage Your Lender Relationship
Your lender isn’t just funding your deal—they’re a resource. Roc Capital provides expert guidance, market insights, and efficient systems that help first-time investors avoid common pitfalls.
5. Plan for the Next Project
The beauty of the High FICO Program is that it helps you build momentum. Once you complete your first flip, you’ll have both experience and a lending partner ready to support your next deal.
Pro Tip for Originators: Educate your new investor clients on these best practices. By helping them succeed on their first flip, you’re building long-term relationships that will lead to repeat business.
6. Understand Local Market Dynamics
Not all neighborhoods perform the same way, even within the same city. Before buying, study local trends:
- Which areas are seeing the fastest resale activity?
- Where are rental rates climbing?
- Are there upcoming infrastructure or commercial projects that could boost property values?
A well-chosen location can make up for minor mistakes in renovation, while a poor location can undercut even the best flip. First-time investors should lean on real estate agents and lenders who have market insights to help make informed decisions.
7. Prioritize Communication and Documentation
One of the most common mistakes new investors make is failing to stay organized. Keep detailed records of contractor bids, renovation receipts, and progress photos. Lenders often require this information for draw releases, and having everything ready speeds up funding.
Good communication with your contractor, agent, and lender also prevents costly delays. Weekly check-ins keep the project on track and allow you to quickly address any surprises before they become bigger issues.
Why this matters: These added tips help investors think beyond the rehab itself. By focusing on location strategy and project organization, new flippers set themselves up for smoother, more profitable projects—turning their first flip into the first of many.
Final Takeaway
The High FICO Fix & Flip Program represents Roc Capital’s commitment to expanding access and supporting the next generation of real estate investors. For borrowers, it’s a chance to enter the market with confidence and leverage. For originators and private lenders, it’s a powerful way to attract new business and build lasting client relationships.
At Roc Capital, we know leverage is everything. This program gives new investors the resources they need to start their journey—and provides our partners with fresh opportunities to grow alongside them.
Explore the High FICO Fix & Flip Program today and see how it can benefit you and your clients.
