# Fix-and-Flip Loan

> Fix-and-Flip Loan serves a timing, documentation, collateral, or borrower profile outside ordinary channels

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:alternative-finance:fix-and-flip-loan` |
| Family | Alternative & Non-QM Finance |
| Domain | Economics |
| Era | Agentic Age |
| Kind | financial-instrument |
| Archetype | The Reservoir |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Fix-and-Flip Loan is a financial instrument in the Alternative & Non-QM Finance family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Fix-and-Flip Loan serves a timing, documentation, collateral, or borrower profile outside ordinary channels.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access to capital, yield, liquidity, risk allocation
- **Inputs:** capital, terms, collateral or cash flow, counterparties, risk assumptions
- **Outputs:** funding, cash-flow claims, obligations, risk allocation
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Fix-and-Flip Loan serves a timing, documentation, collateral, or borrower profile outside ordinary channels
- **Gift:** Clarity about fix-and-flip loan makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When fix-and-flip loan is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when fix-and-flip loan is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where fix-and-flip loan appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Fix-and-Flip Loan reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Fix-and-Flip Loan changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Fix-and-Flip Loan changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Fix-and-Flip Loan can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Reservoir enters the reading through Fix-and-Flip Loan. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What future is being pledged through Fix-and-Flip Loan, and who receives protection if conditions change?

**Guidance:** Separate access from cost, payment from principal, and temporary liquidity from permanent viability.

## Game function

Moves Capital now and creates a future Claim with explicit priority and failure consequences. Initiative 2.

## Relationships

- **Fannie Mae HomeReady prices Fix-and-Flip Loan.** Fannie Mae HomeReady prices Fix-and-Flip Loan through a change in rights, information, cash flow, priority, timing, or physical use.
- **Construction-to-Permanent Loan conflicts with Fix-and-Flip Loan.** Construction-to-Permanent Loan conflicts with Fix-and-Flip Loan through a change in rights, information, cash flow, priority, timing, or physical use.
- **Fix-and-Flip Loan is evidenced by Seller Financing.** Fix-and-Flip Loan is evidenced by Seller Financing through a change in rights, information, cash flow, priority, timing, or physical use.
- **Fix-and-Flip Loan documents Loan Officer.** Fix-and-Flip Loan documents Loan Officer through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Fix-and-Flip Loan through the lineage of Alternative & Non-QM Finance: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Fix-and-Flip Loan: a luminous claim-line descending from a built form into layered earth and extending across a long brass timeline; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Ability-to-Repay and Qualified Mortgage Rule](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/ability-repay-qualified-mortgage-rule/) — Consumer Financial Protection Bureau; ATR/QM and residential underwriting.
- [Comptroller's Handbook — Commercial Real Estate Lending](https://www.occ.gov/publications-and-resources/publications/comptrollers-handbook/files/commercial-real-estate-lending/pub-ch-commercial-real-estate.pdf) — Office of the Comptroller of the Currency; CRE lending, DSCR, debt yield, cap rate, valuation, risk.
