Compare two ways to fund this flip.

AGS Lending Partners Velocity is our 100% Fix & Flip program. It finances 100% of purchase plus rehab up to 70% of ARV with no down payment, at 12.99% interest-only. Best when you have the rehab cash but want to keep capital free for the next deal.

AGS Lending Partners Optimal is our matrix-priced rehab program. It uses your experience tier and credit band to set leverage (typically 80–95% LTC) at lower rates (9.25%–11.25%), with a smaller down payment. Best when you have a strong file and want the lowest rate.

The calculator shows projected profit on both programs side-by-side using the same inputs — so you can see exactly which program puts more money in your pocket on this specific deal.

Velocity (100%): up to $2.5M maximum. First-time AGS borrowers are capped at $1M; returning borrowers may qualify up to the program max. Minimum loan is $100,000 and minimum ARV is $150,000.

Optimal: $75,000 to $3,000,000 with leverage based on your experience tier (0 / 1–2 / 3–5 / 6–9 / 10+ flips) and credit band (660–720+).

MAO is the highest all-in project cost (purchase + rehab) that still leaves enough margin for a profitable flip. We use the industry-standard 70% rule: purchase plus rehab should not exceed 70% of after-repair value (ARV).

Above the 70% line, your margin gets thin: financing carry, selling costs, and unexpected overruns can push you to break-even or worse. The calculator surfaces MAO at the top of every breakdown so you can sanity-check the deal in seconds.

AGS Lending Partners actively lends in 12 states for fix and flip: Texas, Florida, Georgia, North Carolina, Tennessee, Ohio, Indiana, Missouri, Kansas, Alabama, Arkansas, and New Mexico.

Velocity (100% financing) requires the property to be in an approved-area city. Optimal works in any city within these 12 active states.

On Velocity, no — we finance 100% of purchase plus rehab up to 70% of ARV. You'll still need to cover origination points, processing fees, and third-party closing costs (title, hazard insurance, recording, etc.) at closing.

On Optimal, yes — the program caps loan-to-cost at 80–95% depending on your experience and credit, so a small down payment is required. The exact amount shows up live in the calculator as you enter your numbers.

Velocity: 600 minimum FICO, with best pricing at 640 or above.

Optimal: 660 minimum FICO.

Borrowers below those minimums may still qualify by exception with compensating factors (significant liquidity, cross-collateral, experienced co-borrower). Submit your file and we'll review.

The calculator uses our actual current rate sheets and underwriting rules — the same logic our intake system applies when you submit a real deal. Numbers shown are estimates based on the inputs you enter; final terms are subject to full underwriting (credit pull, title commitment, appraisal/BPO, insurance binder, entity verification, etc.) and may vary based on factors not captured in the calculator.

Want binding numbers? Click "Get your real quote" — we'll review your numbers and reach out within 24 hours.