FIX & FLIP LOANS · Idaho (ID) Underwriting Matrix

Idaho Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Idaho Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Idaho (ID), lenders underwrite to a Non-Judicial (Deed of Trust) statutory framework (120–145 days-day average timeline), a 0.63% average property tax rate (~$234/mo at the $445,000 state median), and $430/$100K hazard insurance (~$159/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

ID Security Instrument

Non-Judicial (Deed of Trust)

120–145 days days avg timeline

ID Avg Tax & Ins

0.63% Tax

$430/$100K Hazard Ins

How Fix & Flip Loans Work in Idaho (ID)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Idaho Median Benchmark

Median 1–4 unit price of $445,000 (75% LTV = $333,750) with Form 1007 rent of $2,950/mo and multifamily rent of $1,650/door.

2. Escrow & Title Underwriting

Idaho operates under a Non-Judicial (Deed of Trust) regime (120–145 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Idaho LLC or Delaware LLC registered in ID with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Idaho

Idaho DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Idaho Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Idaho Private Money Loans (Up to 80% LTV / 85% LTC)Idaho Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Idaho Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Idaho Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Idaho Commercial Property (Up to 75% LTV)Idaho Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Idaho Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))