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Loan Programs
Fix & Flip Loans (Short-Term Rehab)
Fuel your renovation projects with Bridge Loans designed for maximum capital efficiency and quick turnarounds. Our Fix & Flip Loans offer short-term cycles, typically ranging from 12 to 24 months, allowing for swift financing solutions. The payment structure features interest-only payments to keep costs low during the hold period. These loans can cover 100% of rehab costs, providing ideal funding scope. Max leverage can reach up to 90% of the purchase price plus 100% of renovation costs, capped at 75% of the After-Repair Value. This financing is perfect for residential flippers needing speed, simplicity, and complete project financing, including options like DSCR Rental Loans and Rental Portfolio Loans for those looking to expand their investment strategies.
Bridge Loans
Need rapid, short-term capital before securing permanent financing? Our bridge loans are the ideal solution to fill the gap.
Benefit: Provides immediate liquidity while you await long-term debt or complete a quick transaction. Our bridge loans are especially useful for property acquisition and can also complement options like DSCR rental loans or fix & flip loans.
Flexibility: Excellent for property acquisition, refinancing, or quick transition phases, including new construction loans and rental portfolio loans.
Usage: Used by investors and businesses needing fast, short-term cash flow.
DSCR Rental Loans (Single Assets & 2-4 Units)
Qualify based on the property's cash flow using DSCR Rental Loans, rather than your personal income. This approach is ideal for scalable financing with low documentation, such as Bridge Loans.
Qualification: Focus on projected rental income (Debt Service Coverage Ratio), excluding tax returns or W-2s.
Options: These are available for Purchase, Rate & Term Refinances, or Cash-Out refinances, including Fix & Flip Loans and New Construction Loans.
Property Types: Eligible for SFRs, 2–4 unit properties, condos, PUDs, and manufactured homes.
Smart Choice for: Investors seeking low-doc approval and a clear path to scaling their rental portfolio loans.
Rental Portfolio Loans (5+ Properties)
Simplify and consolidate your assets with single, long-term financing for your entire rental portfolio, including options like DSCR Rental Loans and Rental Portfolio Loans.
Consolidation: Combine 5 or more properties under one streamlined loan, making it easier to manage your investments.
Structure: This approach maximizes your leverage while simplifying management and payment processes, ideal for experienced landlords looking to reduce complexity.
Additionally, explore Bridge Loans, Fix & Flip Loans, and New Construction Loans to further enhance your real estate strategy and scale your operations efficiently.
Multifamily Property Loans (5+ Units)
We provide flexible financing options for apartment buildings and commercial residential projects (5+ units), including both short-term and long-term solutions. Our program variety features Fix & Flip Loans, Bridge Loans, and DSCR Rental Loans, along with New Construction Loans and Rental Portfolio Loans. With asset-based underwriting, we ensure quick turnarounds, and we offer nationwide funding for large residential investment properties.
New Construction Loans (Ground-Up Development)
Developer-focused lending designed to help you build from the ground up with speed and dedicated support, including options like New Construction Loans and Fix & Flip Loans.
Financing: Competitive rates are available with interest-only payment structures, ideal for those utilizing Bridge Loans or DSCR Rental Loans.
Draw Process: Our streamlined draw system ensures fast capital disbursement as milestones are met, making it easier for residential developers to manage their projects.
Support: We offer dedicated project support and in-house servicing, tailored for developers seeking flexible financing and reliable capital flow, including Rental Portfolio Loans.