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Fix & Flip · Michigan

Fix & flip loans in Michigan — fund the deal, keep your cash.

Mortava fix & flip loans in Michigan: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Michigan is some of the country’s highest cash-on-cash returns across Detroit and Grand Rapids. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Detroit, Grand Rapids, Ann Arbor and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Michigan project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Michigan projects with Mortava

In a market like Michigan, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Detroit, Grand Rapids, Ann Arbor deals and recycle capital into the next project faster.

Detroit and Grand Rapids post some of the highest cash-on-cash returns in the country, and the same low basis makes flip margins work. Michigan suits BRRRR investors who want to recycle capital quickly.

Top metros we fund
Detroit, Grand Rapids, Ann Arbor
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Michigan

The same leverage that funds a Michigan flip funds the "buy and rehab" half of BRRRR. Renovate in Detroit or Grand Rapids, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Michigan fix & flip loan FAQ

Can I get a fix and flip loan in Michigan?
Yes. Mortava funds fix & flip projects across Michigan, including Detroit, Grand Rapids, Ann Arbor. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Michigan flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Michigan.
Do you fund first-time flippers in Michigan?
Yes — first-time flippers are welcome in Michigan with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Detroit and Grand Rapids?
Yes — Detroit, Grand Rapids, Ann Arbor and every other Michigan market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Michigan property instead of selling it?
Yes. Many Michigan investors renovate with a Mortava flip loan in markets like Detroit, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in KansasFlip in KentuckyFlip in LouisianaFlip in MaineFlip in MarylandFlip in MassachusettsFlip in MinnesotaFlip in MississippiFlip in MissouriFlip in MontanaFlip in NebraskaFlip in Nevada
All Fix & Flip programs → DSCR loans in Michigan → Instant quote & pre-qualify →
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