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Frequently Asked Questions

Find answers to common questions about loan programs, qualifications, timelines, and more.

→ States Served

We lend nationwide across 40+ states for active real estate investors. We can fund properties in most states, including California, Texas, Florida, Arizona, Colorado, New York, Illinois, and many others. To confirm coverage in your specific state, tell us where your property is located and we’ll verify availability for your loan program.

Currently, we focus on investment properties within the United States. Reach out if you have questions about a specific property or location.

→ Basic Qualifications

Requirements vary by loan program, but generally we look at:

The property: After-Repair Value (ARV), condition, location, and exit strategy.
Your experience: Real estate investing experience (we work with first-time flippers too).
Credit: We review credit, but the property drives the decision — not your tax returns or W-2s.

Most programs don’t require proof of funds or strong personal liquidity. We’re asset-based lenders — the property and deal strength drive the decision. For some programs, we may ask for a down payment or closing costs, which typically run 10% of the purchase price plus closing costs on Fix & Flip loans. Talk to us about your specific situation.

No. You can be any type of real estate investor — licensed, unlicensed, first-time, or experienced. We lend to real estate investors of all types.

→ Credit and Financial

Credit is reviewed, but it’s not the deciding factor. These are asset-based loans, so the property and the deal drive the decision. If you have lower credit but a strong deal, reach out. We’ll give you a straight answer about your scenario — no judgment, no surprises.

Not for most programs. Fix & Flip, DSCR, and Bridge loans are asset-based — we don’t ask for tax returns or W-2s on most files. Commercial loans may ask for property financials (NOI statements). The property and the numbers matter; your personal income documentation doesn’t.

We’ve worked with investors who have challenged credit histories. The deal and the property are what matter most. If you’re worried about your credit, schedule a call and we’ll talk through it. We can also connect you with trusted professionals for credit improvement if that helps strengthen your financing readiness.

Our initial estimate doesn’t require a credit pull. Once you move forward with a formal application, we’ll pull credit as part of underwriting — but by then you’ll already have a term sheet and clear terms.

→ Timelines and Process

Term sheets in 24 hours. Closings in 7–10 days.

This is the whole point. We move fast so you can move fast. Bridge loans can close in as little as 5–7 days. Exact timelines depend on your program, documentation readiness, and property complexity. The better prepared you are, the faster we can move.

Four simple steps:

1. Submit your deal — send the property, price, rehab budget, and ARV.
2. Get your term sheet — indicative terms within 24 hours with straight answers.
3. Appraisal and light docs — we review the asset and set the draw schedule.
4. Close and fund — close in 7–10 days and access your funds.

No surprises, no hidden steps. Direct access to decision-makers throughout.

Appraisals typically take 3–7 days, depending on property type and location. We push our appraisers to move fast. Schedule your appraisal early and you won’t hit delays.

→ Loan Details

Fix & Flip: Short-term (12–18 months), interest-only, for buy-renovate-sell investors. Underwritten on ARV, not your income.
DSCR: Long-term (30 years), for rental properties. Underwritten on whether the rent covers the payment (DSCR = Debt Service Coverage Ratio). No income docs required.
Bottom line: Flip is for quick projects. DSCR is for holding rentals long-term.Term sheets in 24 hours. Closings in 7–10 days.

This is the whole point. We move fast so you can move fast. Bridge loans can close in as little as 5–7 days. Exact timelines depend on your program, documentation readiness, and property complexity. The better prepared you are, the faster we can move.

Absolutely. Many investors flip, then refinance into a DSCR loan to hold the property long-term. We can structure both with one lending partner, making the transition clean and simple.

On Fix & Flip loans, rehab funds are held and released in draws as work is completed.

Here’s how it works:
1. You request a draw as work progresses.
2. We run a quick inspection.
3. Funds are reimbursed fast — so your project keeps moving.

We keep the process simple and fast. You won’t wait weeks for draws.

It varies by program:

• Fix & Flip: $75K–$3M+
• DSCR: $75K–$2M+
• Bridge: $100K–$5M+
• Ground-Up: $150K–$5M+
• Commercial: $250K–$25M+

Tell us about your deal and we’ll confirm what works for your situation.

→ Getting Started

For an initial estimate, have ready:

• Property address or state
• Purchase price and estimated After-Repair Value (ARV)
• Rehab budget (if applicable)
• Timeline to close
• Loan program you’re considering

That’s it. No docs, no tax returns, no credit pull. We’ll give you quick numbers.

Three ways:

1. Submit a deal — fill out a quick form with your property details.
2. Call us — (858) 555-0142 to talk to a real person.
3. Schedule a strategy call — book a 30-minute consultation with our team.

Pick whatever works for you. We’ll respond fast.

We work primarily direct with investors, but we’re open to broker relationships. If you’re a broker looking to partner, reach out to us directly. We can discuss terms and how to structure a working relationship.

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