Real Estate Lending Programs
Flexible financing for investors and business owners. From fix and flip to permanent financing, we help you connect with lenders who specialize in commercial and investment real estate.
Properties We Finance
Speciality
Self-Storage
Hospitality
Mixed-Use
Mobile Home Parks
Residential Investment
5+ Multifamily
Townhomes and Condos
2-4 Unit
Single-Family
Commercial
Industrial
Warehouses
Office Buildings
Retail Centers
Real Estate Programs
Bridge Loans
Short-term financing for time-sensitive acquisitions and transitions.
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Up to 80% LTV
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Fast closing (7-21 days)
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All property types
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6-24 month terms
Fix & Flip Loans
Short-term financing for investors renovating, purchasing, and reselling properties.
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Up to 90% ARV
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Fast funding (7-14 days)
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6-18 month terms
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Interest-only payments
DSCR Loans
Rental property loans are based on property cash flow, not personal income.
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SFH, commercial, multifamily
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No income verification
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1.0+ DSCR required
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30 year fixed or ARM
Contruction Loans
Ground-up construction and major renovation financing.
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Up to 85% LTC
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Draw schedules
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12-24 month terms
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Commercial and Residential
Cash-Out Refinance
Extract equity from existing properties for reinvestment.
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Portfolio refinancing available
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Lower rates than origination
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Multiple property types
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Up to 75% LTV cash-out
Permanent Financing
Long-term loans for stabilized investment properties.
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Office, retail, multifamily
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Recourse and non-recourse
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Competitive rates
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20-30 year amortization
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Asset-based underwriting (property-focused)
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Fast funding for time-sensitive deals
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Flexible on income and credit for many programs
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Less documentation than traditional banks
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Can finance non-warrantable properties
Advantages
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Points and fees can be 2-4% of the loan
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Higher rates than conventional mortgages
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Prepayment penalties on some loans
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Requires significant down payment or equity
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Personal guarantee typically required
Disadvantages
Qualification Requirements
Minimum Criteria
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Down payment of 10-30%, depending on loan type
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Reserves (typically 6-12 months PITI)
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Proof of funds from down payment and closing costs
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Personal credit score of 640+ (Those with higher scores get better terms)
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Rental income documentation (for income properties)
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Property appraisal or valuation
Documentation Needed
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Contractor scope of work and budget (for rehab)
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Schedule of real estate owned (SREO)
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Exit strategy documentation
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Track record of completed projects (for fix & flip)
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Programs
We help entrepreneurs unlock the growth their business deserves with our flexible funding.