🛠️ Rehab Loans for Owner‑Occupied, Second Homes & Investment Properties

Whether you’re buying a home to live in or purchasing a property to rent out, we offer rehab loan programs that let you buy and renovate the home at the same time—with no additional money down for the rehab portion.

These programs are designed to help you bring a property up to code or customize it to your liking—new kitchen, updated bathrooms, additions, modern finishes, and more.

🏡 Owner‑Occupied Homes
Down Payment: As little as 3%
Minimum Credit Score: 580
Eligible Loan Types: FHA, VA, USDA, Conventional

Perfect if you want to purchase a home that needs repairs or simply want to upgrade it right away.

🏖️ Second Homes
Down Payment: As little as 10%
Minimum Credit Score: 620
Eligible Loan Types: Conventional

Ideal for vacation homes or part‑time residences that need updates or improvements.

🏘️ Investment Properties
Down Payment: As little as 15%
Minimum Credit Score: 620
Eligible Loan Types: Conventional

Great for rental properties that need to be brought up to code or refreshed to increase rental value.

🔁 Fix‑and‑Flip Properties
Down Payment: As little as 10% of the purchase price
Rehab Costs: 100% financed by the investor

A strong option for investors looking to purchase, renovate, and resell quickly.

🔨 Use Rehab Loans for:
• Purchasing a new property that needs work
• Renovating a property you already own
• Buying below market value and adding instant equity through improvements

There are many properties on the market priced lower simply because they need repairs—these loans help you take advantage of those opportunities.

 We Offer These Loans
Barclay Butler Financial Inc. specializes in helping borrowers bounce back after bankruptcy and get into a home sooner than they think.

 We close loans others can’t.

 Licensed States

California, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee

 Contact Us

• Call/Text: 224-420-9990

• Email: bbutler@barclaybutlerfinancial.com

• Contact: Barclay Butler

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