Altitude
Rates start 9.25%Up to 92.5% LTCClose in ~10 days
Built for Flips. Built for Speed. High-leverage financing to help you bring less cash to the closing table.
Simplified Loans & Better Terms
We’ve simplified pricing and improved terms on two loan products! Submit a non-binding inquiry to get a tailored quote and we will help you choose the right loan for your next project.
Standard
Rates start 7.50%Now 1.00% lower
Designed to Maximize Your Profits. Our lowest-interest product, built for your next project.
Austin, Dallas & Denver: extra 0.25% rate discount
Non-dutch loans now offered in Austin & Denver
*Non-Dutch Interest = interest accrues on the current unpaid loan balance instead of the total loan amount.
Loan Requirements
Funding of Rehab Costs
We cover 100% of rehab costs
After Repair Value (ARV) of Total Loan Amount
Up to 75%
FICO Credit Score
640+
Purchase Price
$85K: Novice & Advanced. $50K: Experienced.
Recent Value‑Add Experience
No experience needed. Members with experience in past 3 years may qualify for better terms.
Property Types
1-4 unit properties, no mobile or manufactured homes. Can lend on rural properties less than 5 acres to experienced investors
Backflip Now Offers DSCR Loans
Easily transition from short-term fix & flip financing to long-term investment—built for investors ready to scale and hold.
With a DSCR loan, you can:
- Refinance completed flips into long‑term holds
- Unlock equity to fund your next project
- Build recurring cash flow through stabilized rental income
Program highlights
LTV up to 80%*
Rates starting at 6.25%*
30‑year fixed
Streamlined approval & closing
*Rates and terms may change and depend on your experience, credit profile, and the details of the deal.
Backflip Rewards
Loyalty that lowers your origination fee — up to 0.50% off. Legacy rewards points usable until 12/31/2025
Closed Backflip Loans → Origination Fee Discount
The more eligible loans you’ve closed in the past 24 months, the bigger your discount on your next loan’s origination fee. Up to 0.50% off.
| Loans Closed | Origination Fee Discount |
|---|---|
| 1 | 0.10% |
| 2 | 0.20% |
| 3 | 0.30% |
| 4 | 0.40% |
| 5+ | 0.50% |
Eligibility: Loans count toward Backflip Rewards if you closed them directly with Backflip in the last 24 months and kept all loan payments current. Loans through a Backflip Broker Partner don’t qualify. If a loan payment becomes 30+ days past due, Rewards are paused until it’s back in good standing; 60+ days late loses eligibility, and 90+ days removes all Rewards status permanently.
Earn $500 When You Refer an Investor
When you refer an investor to Backflip, you both win.
For your friend
- They will get $250 when they close their first loan
- Referred investors must close directly with the Backflip team, not through a Broker Partner.
For you
- You will get $500 when they close their first loan
- Payouts: Quarterly
How it works
- Apply: Submit a short application.
- Set up: Sign the affiliate agreement, then submit your W-9 and ACH details to get set up for payments.
- Refer: You’ll receive a unique affiliate link and toolkit to start referring your network.
To qualify
- Submit a signed referral agreement, W-9, and ACH details within 30 days of your first referred application.
- The referred investor must close directly with the Backflip team (not through a Backflip Broker Partner).
- Legacy points: Existing legacy referral points remain usable through 12/31/2025.
What All These Updates Mean for You
Practical improvements that help you move faster and save more.
Close faster with confidence
Smoother draws and faster approvals mean you can hit the ground running with fewer delays.
Better Terms
Choose between Altitude, Standard, and Zero Gravity—all with transparent pricing and no hidden fees.
Stack rewards & lower your rate
Earn rate discounts with every eligible loan you close—plus stack on refi bonuses and partner credits.
Extra perks in select markets
Investors in Austin, Dallas, and Denver enjoy an extra 0.25% discount—automatically applied.
FAQ
A few quick answers. Have more? Email our team at [email protected]
Which of my loans qualify for Backflip rewards?
Close loans directly with Backflip and stay current on payments to earn Backflip Rewards—unlocking up to 0.50% off your next loan’s origination fee. Loans closed through Backflip Broker Partners don’t qualify. If any loan becomes 30+ days past due, your Rewards pause until you’re current, then resume. Every qualifying deal helps you save on the next one.
How are discounts applied?
Your eligible‑loan count maps to a programmatic origination fee discount at close (up to 0.50%).
Can brokers participate?
Brokered loans are not eligible for Rewards or Referral payouts.
When do these changes take effect?
Changes are live as of this refresh. Rates and programs are subject to change.
How does the Austin/Denver discount work?
Investors in those markets receive an additional 0.25% interest rate discount.
How do I join sign up to be an affiliate so I can refer my network?
Start by submitting a short application. If you’re a fit, we’ll confirm your acceptance and you'll sign the agreement and get your payment details set up. Once approved, we’ll send you your unique referral link so you can start sharing right away.
What qualifies as a referral after I sign up as an affiliate?
A referral counts when the person signs up using your unique link, applies for financing, and funds their deal through the same account created from that link. Referral payment applies to the first loan they fund only.
What happens to my Rewards points?
You can use them on any loan submitted by December 31, 2025. Starting January 1, 2026, points go away. We’ll move to tiered rewards based on how many eligible Backflip loans you’ve closed in the last 24 months—and we’ll auto-place you in the highest tier you qualify for. For more details, check out our Rewards Terms and Conditions.
What happens to my Referral points?
You can use them on loans submitted by December 31, 2025. Starting January 1, 2026, we switch to cash referrals: the referred borrower gets a $250 credit on their first loan, and the referrer gets $500 via ACH. To get paid, the referrer must sign the Referral Agreement and submit ACH + W-9 within 60 days of the borrower’s close. Payouts run monthly.