A FLORES BROTHERS COMPANY · FOR INVESTORS, BY INVESTORS

The Money Side Of The Ground Up.

FLOS Financial funds the deals Flores Brothers finds — fast, creative loans for flips, rentals, and new builds. We structure the deal to fit your plan, not the other way around.

LOAN PROGRAMS

Three programs. Built for investors.

Pick the loan that matches the deal — or tell us the deal and we’ll pick it for you.

Fix & Flip

A short-term, asset-based loan to buy a distressed or undervalued property, renovate it, and sell for profit. Approval focuses on ARV, scope, and timeline; rehab funds are released in draws as work is completed.

Close in as little as 3 days
12 months interest-only
Up to 90% of purchase, 100% of renovation

Bridge

A short-term, interest-only loan that bridges the gap between buying or refinancing a property and your long-term plan. Typical terms run 6–24 months, with approval based on property value and exit strategy.

Short-term capital to acquire or replace an existing loan
Finance up to 75% of ARV
Built for transitional and turnaround deals

DSCR

An investor mortgage that qualifies on the property’s cash flow — not your W-2s or tax returns. Close in an LLC and scale as your portfolio grows.

No income docs, no tax returns
Up to 85% LTV
30-year fixed or interest-only options
Single-family, multifamily, and short-term rentals

HOW IT WORKS

From application to funding.

AnalysisWe review the property, your plan, and your exit.
DocumentationA short, investor-friendly document list — no tax-return runaround.
ApprovalTerms structured around the deal, fast.
DisbursementWe coordinate with title, escrow, and your contractors to fund.

FAQ

Real numbers, real examples.

What are the biggest benefits of a Fix & Flip loan?

One short-term, interest-only loan covers the purchase and the rehab. Quick example: buy at $200,000 and budget $50,000 for rehab — $250,000 total. If the ARV is $320,000, your gross spread is about $70,000 before interest, fees, and closing costs. Best when you have solid comps, a clear scope and timeline, and a defined exit.

What are the biggest benefits of a Bridge loan?

Speed and flexibility while you move from one position to the next. Quick example: you have $200,000 in equity in your current property. A bridge loan taps part of it for the down payment on a $400,000 purchase today; you sell the original property next month and pay off the bridge or refinance into long-term debt. Best when you have solid equity and a clear exit within a few months.

What are the biggest benefits of a DSCR loan for investors?

You qualify on the property’s rent, not your tax returns. Quick example: rent is $2,250/month and total PITIA is $1,800. DSCR = 2,250 ÷ 1,800 = 1.25 — strong coverage that makes approval more likely without digging into your personal returns. Best when the property’s DSCR is at or above roughly 1.10–1.25.

Loan programs, rates, and terms shown are examples and are subject to change, underwriting, and approval. This is not a commitment to lend. Specific rates, points, LTC/LTV, draws, and reserve requirements vary by deal.

APPLY NOW

Get pre-qualified.

Tell us about the deal and a FLOS Financial lending pro will get back to you with options and the quickest path to funding. Prefer to talk? Call 469-767-0103.