Buy. Rehab. Profit.
Don't lose a great deal because your bank won't fund a distressed property. We provide fast, asset-backed hard money for Alberta Fix & Flips and BRRRR projects, underwriting based on the After Repair Value (ARV).
We Fund the Properties Traditional Lenders Run From.
Finding a deeply discounted, distressed property is the hardest part of real estate investing. But the moment you bring that "ugly house" to a traditional bank, they panic. They hate construction risk, they demand the property be immediately livable, and they take 60 days to close—which kills your wholesale deal or auction bid.
The AJS Solution: AJS Capital is built for active investors. We don't care if the kitchen is gutted or the roof needs replacing. We provide the acquisition capital to close the deal fast, plus the construction funds to complete the rehab. We underwrite the math, the scope of work, and your exit strategy to get you to the finish line.
Funding Your Investment Strategy
The Classic Fix & Flip
Buy a distressed property under market value, use our capital to fund a heavy renovation, and sell it on the retail market for a maximum profit.
The BRRRR Method
Buy, Rehab, Rent, Refinance, Repeat. We fund the initial purchase and renovation. Once the property is stabilized and tenanted, you refinance with a traditional bank to pay us off and keep the cash-flowing asset.
Wholesale & Forclosure Snatching
Found a killer deal from a wholesaler that requires a firm, cash-equivalent offer with a 10-day close? We provide the fast hard money needed to take down the asset before someone else does.
Basement Suite Additions
Force appreciation and double your rental income by using our rehab capital to build out a legal secondary suite in an existing single-family home.
We Underwrite the Math, Not Just Your T4.
We speak the language of real estate investing. While banks focus entirely on your personal income, we focus on the After Repair Value (ARV) and the Scope of Work. If you have a clear rehab budget, a competent contractor team, and a solid exit strategy (either a retail sale or a CMHC refinance), we will partner with you. We advance the construction funds in clear, predictable draws so your project never stalls due to a lack of cash.
Fix & Flip / BRRRR Loan Guidelines
Rates: As low as 9.75%*
Target LTV: Up to 80% of the Purchase Price
Funding Structure: We typically fund a high percentage of the acquisition cost, plus up to 100% of the renovation budget (released in draws).
Property Location: Urban and strong sub-urban markets across Alberta.
Property Types: Single-family, duplexes, 4-plexes, and small multi-family.
Terms: Flexible 6 to 24-month terms designed specifically for the rehab lifecycle. Interest-only payments to keep your holding costs low.
No Application Fee
No Appraisal
No Prepayment Penalty
* Rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only.
Flix & Flip Investor FAQs
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Yes. We provide the initial capital to acquire the property at the closing table, and we hold the renovation funds in reserve, releasing them to you in "draws" as the work is completed.
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Once a phase of your Scope of Work is complete (e.g., framing and electrical rough-in), you request a draw. We do a quick inspection or review photos to verify the work, and wire the funds directly to you to pay your trades.
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We need to see the deal. Submit the property address, your purchase price, an itemized Scope of Work (rehab budget), and your estimated ARV. A formal "As-Complete" appraisal will typically be required before funding.
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No. AJS Capital provides strictly commercial/business-purpose loans to real estate investors. The property must be non-owner occupied.
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Yes, AJS Capital provides hard money loans up to 80% of the ARV for Fix and Flip and BRRRR projects in Alberta. We focus on the intrinsic value of the asset and your exit strategy rather than rigid institutional guidelines.
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No. AJS Capital strictly provides commercial, business-purpose alternative financing for active real estate investors. We only lend on physical real estate assets located within Alberta, Canada.
Have a deal under contract? Let’s run the numbers.
Manage your draw schedule and loan balance with total transparency through our loan management platform.