Fix & Flip
Fix & Flip / Hard Money Financing
- High-leverage, fast-closing asset financing based on After Repair Value (ARV).
- Overview: Built for real estate professionals who need to move at lightning speed to lock up distressed properties. We provide aggressive acquisition capital combined with fully funded, rapid-turnaround construction draw schedules to keep your project moving.
- Up to 90% LTC (Loan-to-Cost) on acquisition and 100% of the rehab budget.
- 6 to 24-month interest-only terms with zero prepayment penalties.Core Guidelines:
- Closings in under 7 days to give you a competitive advantage over bank-reliant buyers
Bridge
- Rapid liquidity for opportunistic acquisitions and property transitions.
- Overview: Custom asset-based bridge debt tailored to stabilization opportunities, value-add commercial assets, or single-family portfolio aggregation. This program bridges the gap between immediate asset acquisition and a permanent, long-term exit strategy.
- Core Guidelines:
- Financing for Multifamily (5+ Units), Mixed-Use, Retail, and Residential assets.
- Flexible terms from 1 to 3 years with extension options.
- Underwritten aggressively based on current asset equity and realistic stabilization timelines.
DSCR
DSCR Long-Term & Short-Term Rental Loans
- Scale your rental portfolio utilizing property cash flow, not tax returns.
- Overview: Designed for buy-and-hold investors scaling single-family (SFR), 2-4 unit portfolios, or short-term vacation rentals (Airbnb/VRBO). We qualify the asset entirely based on the Debt Service Coverage Ratio (DSCR)—if the property’s rental income covers the mortgage payment, the file is approved.
- Core Guidelines:
- 30-Year Fixed, Full Amortization, and Interest-Only options.
- Leverage up to 80% LTV on purchases and cash-out refinances.
- No debt-to-income (DTI) caps, no employment verification, and no personal tax returns required.
DSCR 2nd
- Tap into your property’s equity without disturbing your low-interest first mortgage.
- Overview: The ultimate capital preservation tool for rental property owners. Instead of executing a costly cash-out refinance that forces you to give up a sub-4% first mortgage rate, our DSCR 2nd allows you to tap into your dead equity to fund your next flip or purchase.
- Core Guidelines:
- Stand-alone closed-end seconds underwritten using the combined DSCR (CLTV).
- Preserves your low-interest rate on your senior debt structure.
- Perfect for rapid portfolio scaling without massive interest rate spikes.
Ground Up Construction
- Speculative and pre-sold development capital for builders.
- Overview: Scalable financing solutions for single-family residential builders, multi-unit infill developers, and residential subdivisions. We combine competitive equity contribution milestones with highly structured, transparent fund administration.
- Core Guidelines:
- Up to 75% to 80% LTC based on raw build and development costs.
- Fast, painless inspector sign-offs and mechanics draw distributions to prevent job-site delays.
- Loans must close in an business entity name (LLC, S-Corp, or C-Corp).
Real estate investors choose non-bank capital over traditional banks for one primary reason: speed. Adding a clean, horizontal 3-step or 4-step icon block directly shows them how rapidly you execute.
- Step 1: Submission & Soft Quote
- Detail: Submit your deal scenario through our quick intake portal. Our team analyzes asset metrics and issues a transparent soft quote within 24 hours.
- Step 2: Underwriting & Valuation
- Detail: We order local property valuations and finalize your renovation budget or cash-flow (DSCR) underwriting with zero unneeded red tape.
- Step 3: Clear to Close & Funding
- Detail: Clean title and entity docs clear your file for rapid closing. Funding is deployed directly to your settlement agent or title company in days, not months.