- Loan Programs
Capital for Every Stage of the Deal
Flexible lending for flips, rentals, bridge loans, ground-up construction, and commercial projects.
- PROGRAM 01
Fix & Flip
Close as fast as you find the deal.
Short-term, interest-only capital for buying, renovating, and reselling. Underwritten by ARV — not personal income — so investors can run multiple projects.
- Fast rehab draws
- No tax returns on most files
- Up to 90% purchase + 100% rehab
- First-time and repeat flippers welcome
At a Glance
Loan amount
$75K – $3M+
Loan to Cost (LTC)
Up to 90%
Rehab funding
Up to 100%
Term
12–18 mo, interest-only
Time to close
7–10 days
- PROGRAM 02
DSCR Rental
Qualify on the property, not your paycheck.
Long-term rental financing based on whether rent covers the payment. No tax returns, W-2s, or DTI limits — ideal for portfolio builders and self-employed investors.
- LLC vesting welcome
- Airbnb income considered
- 30-year fixed, ARM & IO options
- No income documentation required
At a Glance
Loan amount
$75K – $2M+
Max LTV
Up to 80%
Min DSCR
1.0x (some <1.0x)
Term
30-yr fixed / ARM / IO
Income docs
None
- PROGRAM 03
Bridge
Move on the deal before it’s gone.
Short-term capital to close quickly, buy before you sell, or reposition before permanent financing. Asset-based and built for speed.
- Sale or refinance exits
- No-prepayment options
- Close in as fast as 5–7 days
- Vacant & transitional properties OK
At a Glance
Loan amount
$100K – $5M+
Max LTV
Up to 75%
Term
6–24 mo, interest-only
Time to close
As fast as 5–7 days
Properties
Residential & commercial
- PROGRAM 04
Ground-Up Construction
Fund the build from the dirt up.
Financing for land acquisition and vertical construction, released through milestone-based draws for experienced builders and developers.
- Fast draw inspections
- Refinance at completion
- SFR, multifamily & small commercial
- Land + construction funding
At a Glance
Loan amount
$150K – $5M+
Loan to Cost
Up to 85%
Loan to ARV
Up to 70%
Term
12–24 mo, interest-only
Funding
Land + build, draw-based
- PROGRAM 05
Commercial
Capital that scales with you.
Flexible financing for income-producing assets — multifamily, mixed-use, office, retail, and industrial — underwritten on the asset and income.
- Bridge-to-permanent options
- Value-add & stabilized assets
- NOI / DSCR-driven underwriting
- Nationwide footprint
At a Glance
Loan amount
$250K – $25M+
Max LTV
Up to 75%
Term
Bridge or permanent
Underwriting
Property income (NOI)
Properties
Multifamily, mixed-use, CRE
- Compare Programs
Find the Right Fit, Fast
A side-by-side look at all five programs to help you point to the right capital for your deal.
| Program | Fix & Flip | DSCR | Bridge | Ground-Up | Commercial |
|---|---|---|---|---|---|
| Loan Amount | $75K–$3M+ | $75K–$2M+ | $100K–$5M+ | $150K–$5M+ | $250K–$25M+ |
| Max Leverage | 90% LTC | 80% LTV | 75% LTV | 85% LTC | 75% LTV |
| Term | 12–18 mo | 30-yr / ARM | 6–24 mo | 12–24 mo | Bridge / perm |
| Time to Close | 7–10 days | 2–3 weeks | 5–7 days | 2–3 weeks | 3–5 weeks |
| Income Docs | Not required | Not required | Not required | Light | Property financials |
| Best For | Buy-renovate-sell | Rental portfolios | Speed & reposition | New construction | Multifamily & CRE |