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Fix & Flip · North Dakota

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

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

North Dakota is high-yield rentals supported by energy-sector employment. 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 Fargo, Bismarck, Grand Forks 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 North Dakota 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 North Dakota projects with Mortava

In a market like North Dakota, 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 Fargo, Bismarck, Grand Forks deals and recycle capital into the next project faster.

Energy-sector employment underpins high gross yields in Fargo and Bismarck. North Dakota is a small market, but the rent-to-price ratios do the heavy lifting.

Top metros we fund
Fargo, Bismarck, Grand Forks
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 North Dakota

The same leverage that funds a North Dakota flip funds the "buy and rehab" half of BRRRR. Renovate in Fargo or Bismarck, 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.

North Dakota fix & flip loan FAQ

Can I get a fix and flip loan in North Dakota?
Yes. Mortava funds fix & flip projects across North Dakota, including Fargo, Bismarck, Grand Forks. 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 North Dakota 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 North Dakota.
Do you fund first-time flippers in North Dakota?
Yes — first-time flippers are welcome in North Dakota with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Fargo and Bismarck?
Yes — Fargo, Bismarck, Grand Forks and every other North Dakota market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a North Dakota property instead of selling it?
Yes. Many North Dakota investors renovate with a Mortava flip loan in markets like Fargo, 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 NevadaFlip in New HampshireFlip in New JerseyFlip in New MexicoFlip in New YorkFlip in North CarolinaFlip in OhioFlip in OklahomaFlip in OregonFlip in PennsylvaniaFlip in Rhode IslandFlip in South Carolina
All Fix & Flip programs → DSCR loans in North Dakota → Instant quote & pre-qualify →
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