FIX & FLIP LOANS · Idaho (ID) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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