When you’re first starting out in real estate, it’s easy to think that a local bank is your only option. But if you want to move fast and scale, you need to understand the power of private lending.

In short, private money comes from companies like ours that prioritize the property and the deal numbers over your personal financial history. Here are the key terms every investor should know:

• ARV (After-Repair Value): The projected value of your property once renovations are complete.
• LTV (Loan-to-Value): The percentage of the value we can finance—often up to 75%–80% for the right deal.
• Asset-Based Lending: Approval driven by the property’s cash flow (DSCR) rather than your tax returns.

Private money is the bridge that helps you move from one single-family rental to a growing portfolio of multifamily assets.