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Fix & Flip · Washington

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

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

Washington is no state income tax with Seattle-area appreciation and Spokane cash flow. 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 Seattle, Spokane, Tacoma 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 Washington 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 Washington projects with Mortava

In a market like Washington, 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 Seattle, Spokane, Tacoma, Vancouver deals and recycle capital into the next project faster.

Washington pairs no state income tax with a genuine two-market setup: Seattle-side appreciation and Spokane-side cash flow. Investors choose their strategy without changing their tax posture.

Top metros we fund
Seattle, Spokane, Tacoma, Vancouver
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+

The Washington tax angle

Washington has no state income tax, so flip profits face federal tax only for individual filers — meaningful when you run multiple projects a year. For the details, read our states without capital gains tax guide, and confirm treatment with your tax advisor.

Guidelines reviewed July 2026 by the Mortava lending team.

Washington fix & flip loan FAQ

Can I get a fix and flip loan in Washington?
Yes. Mortava funds fix & flip projects across Washington, including Seattle, Spokane, Tacoma, Vancouver. 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 Washington 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 Washington.
Do you fund first-time flippers in Washington?
Yes — first-time flippers are welcome in Washington with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Does Washington tax my fix and flip profits?
Washington has no state income tax, so flip profits are taxed at the federal level only for individual filers. How a gain is characterized depends on hold time and entity structure — run your setup past a tax professional.
Do you fund flips in Seattle and Spokane?
Yes — Seattle, Spokane, Tacoma, Vancouver and every other Washington market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in South DakotaFlip in TennesseeFlip in TexasFlip in UtahFlip in VermontFlip in VirginiaFlip in West VirginiaFlip in WisconsinFlip in WyomingFlip in AlabamaFlip in AlaskaFlip in Arizona
All Fix & Flip programs → DSCR loans in Washington → Instant quote & pre-qualify →
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