STOP LOSING
THE UGLY
LISTING.
A dated kitchen. A bad roof. Peeling paint. An unfinished addition. A house that won't go conventional.
Those aren't always reasons to walk away from the deal.
Sometimes they're reasons to finance the solution.
Learn how renovation financing can help qualified buyers purchase properties that need work and finance eligible improvements as part of the transaction.
WHAT BROUGHT YOU HERE?
I HAVE A LISTING
The property needs work and you're trying to expand the buyer pool.
HELP ME FINANCE THIS PROPERTYI HAVE A BUYER
Your buyer found the right location — but the property isn't move-in ready.
HELP ME STRUCTURE THE DEALI WANT TO LEARN
Learn how 203(k), HomeStyle, CHOICERenovation and other renovation programs can turn property-condition problems into opportunities.
ENTER THE RENO GAME ACADEMYTHE HOUSE DOESN'T HAVE TO BE PERFECT.
THE FINANCING HAS TO FIT THE PROPERTY.
Traditional financing can become difficult — or impossible — when a property needs substantial repairs. Lenders may require certain conditions to be corrected before closing, and buyers who can't pay for repairs out of pocket may walk away.
Renovation financing is designed for exactly this situation. Eligible improvements may be financed as part of the transaction, allowing buyers to purchase the property and fund the work in a single loan.
Program requirements apply. Not all properties or improvements are eligible. Eligibility is determined by the specific loan program, lender guidelines, and property condition.
KNOW THE RENO PLAYBOOK.
FHA 203(k)
A government-backed renovation loan that finances both the purchase and rehabilitation of a property in a single mortgage.
Buyers with lower down payments or credit scores who need to finance repairs. Available for primary residences.
HomeStyle Renovation
A conventional renovation loan from Fannie Mae that can be used for a wide range of improvements, including luxury upgrades.
Buyers who want a conventional loan with renovation financing. Can be used for investment properties in some cases.
CHOICERenovation
Freddie Mac's conventional renovation loan program that includes financing for resilience improvements and disaster-related repairs.
Buyers seeking a conventional renovation loan with flexibility for resilience and energy improvements.
REAL PROPERTIES.
REAL PROBLEMS.
REAL FINANCING STRATEGY.
Renovation lending makes more sense when you see how the pieces come together. The Reno Case Files walk through actual property scenarios — the condition issues, the financing structure, and how the deal came together.
PUT THE NUMBERS TO WORK.
These calculators are live and built specifically for renovation financing scenarios. Run the numbers before you bring a property to a buyer conversation.
LEARN TO SEE THE DEAL DIFFERENTLY.
Free renovation-financing training built specifically for real estate professionals.
No generic mortgage presentations. Real properties. Real financing problems. Real deal structure.
Stay current on renovation lending strategy and program updates with The Reno Report →
203(k) IN 30 MINUTES
What Every Realtor Should Know About FHA Renovation Financing
THE HOUSE WON'T GO CONVENTIONAL. NOW WHAT?
STOP LOSING THE UGLY LISTING
ARV: THE NUMBER THAT CHANGES THE DEAL
203(k) vs. HOMESTYLE vs. CHOICERENOVATION
HOW TO WRITE A RENOVATION OFFER
BEFORE YOU REDUCE THE PRICE,
LET'S LOOK AT THE FINANCING.
Send me the property and a little information about what it needs.
I'll help you determine whether renovation financing may provide another path for the property and the buyer.
No obligation. Just a second set of eyes on the financing.
WHEN THE PROPERTY GETS COMPLICATED,
EXPERIENCE MATTERS.
Dustin Swigart has spent 25 years in renovation financing — originating FHA 203(k), HomeStyle, and CHOICERenovation loans across multiple states. Over $500 million in funded renovation loan volume.
The King of Reno exists because most renovation loan content is written by people who have never originated one. The education here comes from the work — not from a content calendar.
THE NEXT "PROBLEM PROPERTY"
MIGHT BE YOUR NEXT CLOSING.
Don't automatically assume a difficult property can't be financed. Bring the scenario. Renovation financing exists for exactly these situations — and the deal that looks impossible on the surface sometimes has a path.