Hard money

Fix and flipBridge loansNew construction

Long money

DSCR 1 to 4 unitsDSCR 5 to 8 unitsAlt doc investor

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Hard money tolong money.

Six investor programs that cover the whole deal. Fund the purchase and the work with hard money, then refinance into long term financing that qualifies on the property.

Hard money

Short term capital for acquisition, renovation, and ground up construction. Underwritten on the deal and your track record, closed on your timeline.

Fix and flip

Purchase and rehab financing for residential investment property. We fund the acquisition and release renovation funds as the work is completed, so you can run the project without tying up your own capital.

Best for investors buying distressed single family and small residential properties to renovate and sell.

Apply for fix and flip
Leverage
Up to 70% LTV, up to 100% LTC
Term
6 to 18 months
Closing
As few as 5 days
Property
1 to 4 unit residential
Rehab funds
Released by draw
Exit
Sale or refinance to DSCR

Bridge loans

Short term capital for acquisitions that cannot wait on a bank, for repositioning a property, or for bridging the gap to permanent financing. Purchase and refinance both qualify.

Best for time sensitive purchases, properties not yet financeable by a conventional lender, and transitional assets.

Apply for a bridge loan
Leverage
Up to 70% LTV
Term
3 to 24 months
Closing
7 to 10 days
Purpose
Purchase or rate and term refinance
Exit
Sale, refinance, or DSCR takeout

New construction

Ground up financing for spec homes and custom residential projects, with draws tied to completed milestones rather than a lender's calendar. When the build is finished we can carry you straight into permanent financing.

Best for builders and investors with plans, permits, and a budget they trust.

Apply for construction
Leverage
Up to 75% LTC
Term
12 to 24 months
Draws
Milestone based
Property
Single family and 2 to 4 unit spec
Exit
Sale or DSCR refinance

Long money

Permanent financing for the property you are keeping. These programs qualify on the asset or on alternative documentation, not on a stack of personal tax returns.

DSCR 1 to 4 units

A rental loan that qualifies on the property's own cash flow. If the rent covers the payment, the property qualifies. Choose a 30 year fixed rate or an adjustable option, and refinance out of a hard money loan once the property is stabilized.

Best for buy and hold investors building a portfolio of single family and small multifamily rentals.

Apply for DSCR
Leverage
Up to 85% LTV
Loan size
$125,000 to $3,000,000
Qualifying
DSCR of 1.00 or better
Below 1.00
Available at reduced leverage
Structure
30 year fixed, 5/6, 7/6, 10/6 ARM
Interest only
Available
Purpose
Purchase, rate and term, cash out

DSCR 5 to 8 units

Long term financing for small residential multifamily, qualified on net rental income with no tax returns required. Built for investors who already own and manage rental property.

Best for experienced investors with a track record owning residential rental property.

Apply for DSCR 5 to 8
Leverage
Up to 75% LTV on purchase
Loan size
$400,000 to $2,000,000
Qualifying
DSCR of 1.00 or better
Credit
700 FICO and up
Borrower
Experienced investors only
Structure
30 year fixed, 5/6, 7/6, 10/6 ARM

Alt doc investor

For self employed investors and business owners whose tax returns understate what they earn. Qualify with bank statements, a profit and loss statement, 1099 income, or your liquid assets.

Best for investors with strong cash flow and complicated returns.

Apply for alt doc
Leverage
Up to 85% LTV
Loan size
$150,000 to $3,000,000
Documents
12 months bank statements, P&L, 1099, or asset utilization
Structure
30 year fixed, 5/6, 7/6, 10/6 ARM
Purpose
Purchase, rate and term, cash out

Run the numbers on a rental.

DSCR is monthly rent divided by the full payment: principal, interest, taxes, insurance, and association dues. A ratio of 1.00 or better is the standard qualifying position.

0.00DSCR

An estimate for planning only. Not a quote, approval, or commitment to lend.

Not sure which program fits?

Tell us about the property and your plan. We will point you to the right structure.

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