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Program 01
Fix and Flip in Sacramento
Sacramento fix and flip loans, built for a falling-value market.
Built for the active flipper. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV, on a 6-month interest-only term. Sacramento values are drifting down while rents grind up, so the spread gets made at purchase, not at resale. Flood zone and levee accreditation are a parcel-by-parcel diligence item here, not a metro-wide assumption. Business-purpose only, and every structure is set in underwriting.
90%
of purchase
100%
of rehab
Same day
term sheet
$5M
max loan
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Draws are reimbursed quickly as work is completed, and a dedicated closer stays with your file from term sheet to payoff. You can get a term sheet the same day, and we typically fund within 48 hours of clear title, so most flips close in 5-7 days as soon as title and insurance come together.
Who it's for
Active fix and flip investors
First-time flippers welcome
Single-family and 1-4 units
Value-add and distressed buys
Auction and on-market deals
Typical terms
Loan amount$100K to $5M
Purchase leverageUp to 90% LTP
Rehab fundingUp to 100%
Term6 months
RateFrom 9.99%*
PaymentsInterest-only
*Typical terms, subject to underwriting and market conditions.
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Local FAQ
Fix and Flip in Sacramento, answered.
Are Sacramento home values rising enough to carry a flip on appreciation?
No, and don't underwrite one that needs them to. The Sacramento MSA's mid-tier home value ran $593,402 in June 2026, down 1.3% from a year earlier, and the decline was sharper in some of the ring: Elk Grove down 3.0%, West Sacramento down 2.9%. The City of Sacramento itself was down 1.9% to $482,968, still the lowest basis among the metro's major submarkets. In this market the spread gets made at purchase, on a disciplined buy, not on a rising market bailing out an aggressive one.
What disclosure do I owe a buyer if I resell a Sacramento property fast?
California requires a contractor-work disclosure on a fast resale, and it applies to nearly every flip. Under Civil Code section 1102.6h (AB 968), a seller of a 1-4 unit property who accepts an offer within 18 months of taking title must disclose all contractor-performed additions, structural modifications, alterations and repairs, including the contractors' names, and may attach the permits. It applies to offers accepted on or after July 1, 2024, which covers essentially every Sacramento flip. Build your closing file, and your contractor list, with this in mind from the day you start rehab.
Will my Sacramento property tax bill match the seller's after I close?
No. The listing's tax figure is the seller's, not yours, and yours arrives on a separate bill. A purchase resets the assessed value to the price paid under Proposition 13, and the gap between the seller's old base year and your new one is billed as a supplemental assessment outside the normal secured roll. Underwrite the tax line off the purchase price, not the current bill. That supplemental bill is appealed on its own 60-day clock from its mailing date, separate from Sacramento County's regular July 2 to November 30 appeal window.
Sources: assessor.saccounty.gov
Does a Sacramento rehab carry flood risk I should price before I buy?
Yes, and it is decided by the levee, not by the address. The city sits at the confluence of the Sacramento and American rivers behind an engineered levee system, and a parcel's flood zone follows the accreditation status of the levee segment protecting it, which can change during a hold. Natomas is the clearest example: it went unbuildable from 2008 to 2015 after the Corps withdrew levee accreditation, and it now sits in Zone A99, a designation that still triggers a mandatory flood-insurance purchase requirement on federally backed loans. Order the flood determination early and put the premium in the deal before you price it. See our DSCR rental loan program if your exit is a hold instead of a resale.
How long does a rehab permit take to clear in Sacramento?
No published fee schedule or review-timeline figure exists for the City of Sacramento or Sacramento County. So budget conservatively and confirm directly with the permitting office before you set your rehab schedule. The one incentive that is documented: Sacramento County reduces the plan-review portion of the permit fee by 50% for production housing of five or more similar units, which mainly benefits builders, not a single-property flipper. Do not rely on a specific day count from a secondary source; none was verified for this metro.
Sources: ecode360.com
Could a special tax attach to a Sacramento flip that the buyer inherits at resale?
In parts of this metro, yes, and it survives the sale. Community Facilities District (Mello-Roos) special taxes fund subdivision infrastructure and are not capped by Proposition 13, because they are levied on a district formula rather than assessed value. They cluster in North Natomas, Elk Grove, Folsom and Rancho Cordova, and they do not reset or expire when the property changes hands. Check the parcel for a CFD special tax before you underwrite a rehab in these submarkets: it affects your buyer's carrying cost and your resale story, even though no dollar figure for any specific district has been verified here.
How much do I need to bring to a Sacramento flip?
About 10% of the purchase, plus closing costs. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV, on a 6-month interest-only term. On a $450,000 Sacramento purchase that is up to $405,000 from us and $45,000 from you (450,000 x 90% = 405,000), with rehab drawn against the schedule instead of paid up front. Values here are drifting down, so the spread gets made at purchase and your contingency needs to be real. Subject to underwriting.
What credit score do I need for a fix and flip loan in Sacramento?
There is no minimum score on this program. We do run credit, but on an asset-based loan it carries far less weight than it would at a bank, because the collateral and the rehab plan are what we underwrite. Weaker credit usually gets offset with lower leverage rather than a decline, so you may bring more than 10% to the table on a Sacramento deal instead of hearing no. There is no hard credit pull to start a conversation. Subject to underwriting.
What is the smallest fix and flip loan you will write in Sacramento?
$100,000, and we go up to $5 million. That band covers essentially every flip in this metro. The City of Sacramento itself carried a $482,968 mid-tier value in June 2026, the lowest basis among the metro's major submarkets, so a city purchase sits comfortably inside the range and so does a higher-basis deal out in the ring. If your deal is smaller than $100,000 it is below our minimum, whatever the rehab looks like. Subject to underwriting.
Do you fund first-time flippers in Sacramento?
Yes, first-time flippers are welcome on this program. Experience helps, and on a first deal we look harder at the rehab budget, the contractor, and the exit than at your track record. Sacramento is not a market where a rising price bails out a thin buy, so a first-timer here should carry a conservative ARV and a contingency on top of it. Terms and leverage are set in underwriting, and a first deal may price at lower leverage than a repeat borrower's. Subject to underwriting.
More Fix and Flip questions, answered on the program page
Resources
Guides for Fix and Flip
Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide Strategy · 6 min read
Financing the BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
Read the guide Fix and Flip · 5 min read
What Is ARV (After-Repair Value) and How Do You Calculate It?
Read the guide Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
Read the guide Compare
Fix and Flip vs. other options
More in Sacramento
Other programs in Sacramento
Rental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
About the local figures on this page
Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.
Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.
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