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As with all loans, terms and conditions apply. But we’re transparent about our products and don’t bury the details in small print or jargon. “No Upfront Fees” means Backflip defers all the fees we control, and rolls them into loan. “No Payments” means borrower makes no interest payments on loan for 6 months. “96% LTC” is the maximum loan to cost ratio. Fees and interest are included in the principal balance and bear interest until paid off. We’d love to answer your questions!