Real Estate Investment Lending
Fast, reliable, asset-based financing across the full investment lifecycle: acquisition, rehab, ground-up construction, stabilization, and long-term hold.
$50K–$50M
Loan Range
48 Hours
Fastest Close
None
Credit Floor · Asset-Based
Nationwide
Geographic Reach
From your first flip to a 50-unit portfolio, we match your deal with lenders whose real underwriting box fits it, so your file goes where it actually gets funded.
Acquisition + Rehab · 1–4 Unit Residential
Acquisition-plus-rehab financing on 1–4 unit residential, including Fix & Rent and Wholetail structures. Our most flexible short-term product: asset-based options require no FICO, and select Quick-Close programs reach 100% LTC.
Rehab Funds by Draw
Rehab funds release through a draw schedule as work is completed, with in-house draw management and servicing on select programs.
Quick Facts
What You'll Need
If Pre-Approved
Long-Term Hold
Long-term rental financing qualified on the property's cash flow, not your personal income. SFR through 8-unit, plus multifamily and portfolios.
What You'll Need
Short-Term · Fast Close
Short-term capital for acquisition, stabilization, refinance, or transition. Residential through commercial, with a fast close.
What You'll Need
New Builds · AD&C
New construction and AD&C financing for residential and commercial builds, with in-house draw management and servicing.
What You'll Need
CRE · SBA 7(a) / 504
Stabilized and transitional CRE, small-balance commercial, SBA 7(a)/504, and owner-occupied commercial property.
Commercial / Small-Balance
SBA / Owner-Occupied CRE
What You'll Need
Land · Workouts · Rescue
Land, A&D, cash-out refinance, and workout capital, including bankruptcy exit, foreclosure bailout, and sale-leaseback. For investors who have been told no, there's almost always a path forward.
Scenarios We Fund
First-time flipper, seasoned builder, or an investor who's been told no: tell us about the deal and a specialist will match it to the right program.
Talk to a Specialist| Program | Min FICO | Max LTV | Max LTC | Max Loan |
|---|---|---|---|---|
| Fix & Flip | None / 600+ | 100% purchase | 100% | $25M |
| DSCR / Rental | 620 | 85% purchase | — | $50M |
| Bridge | None | 80% purchase | 90% | $50M |
| Ground-Up Construction | None / 640+ | 75% | 95% | $50M |
| Commercial / Small-Balance | 650 | 80% purchase | — | $30M |
| SBA / Owner-Occupied CRE | 680 | 85% purchase | 90% | $30M |
| Specialty & Distressed | None | Varies | — | $25M |
Headline Figures
Maximums reflect the best available across our lenders. Not all apply to a single deal. Final terms are lender- and scenario-specific.
Borrower Profile
Investment / non-owner-occupied focus. Most programs require an LLC or entity; many asset-based programs carry no FICO minimum.
Geography
Most programs are nationwide. Some lenders carry state and MSA restrictions. We'll confirm availability before submitting.
Loan Application
Completed term-sheet request with borrower and subject property details.
Subject Property
Address, photos, and value support (purchase contract, BPO, or appraisal).
Entity Docs
LLC / entity formation. Most investment programs require an entity borrower.
Credit Authorization
Required for full-doc programs; asset-based programs may waive.
Program-Specific
Fix & Flip / Construction
Rehab or construction budget, scope of work / draw schedule, and borrower experience (prior deals).
DSCR / Rental
Lease or market rent (1007), property insurance, and 6 months PITIA reserves at higher leverage.
Borrower Entity: Most programs are non-owner-occupied and require an LLC or entity borrower.
Experience: Ground-up construction, structural rehab, and some bridge programs require a verifiable track record.
Unit Caps: DSCR caps at 8 units per property; Fix & Flip / construction caps at 4 units on certain programs.
Minimum Loan: Smallest deal is $50K; one nationwide bridge program holds a $350K minimum.
DSCR Specifics: Min DSCR runs 0.80–1.10 by program. Short-term rentals eligible on select programs, typically at 720 FICO.
Property Condition: DSCR requires rent-ready condition (C1–C4, no deferred maintenance).
Cash-Out Leverage: Typically 5–10% below purchase LTV across bridge and DSCR programs.
Asset-Based Credit: Several programs carry no FICO minimum; full-doc programs run from 600 (flip/bridge) to 680 (SBA).
Construction Draws: Rehab and construction funds release by draw; in-house management and servicing on select programs.
State & MSA Restrictions: Watch IL rehab, NYC boroughs, rural counties under 100K population, and state exclusions (e.g. ND, NV, SD, VT).
Owner-Occupied
Most programs are investment / non-owner-occupied only.
Too Many Units
9+ units on DSCR; 5+ on flip / construction.
Sub-Minimum Size
Below $50K, or below $350K on certain bridge.
Restricted Geography
IL rehab, NYC boroughs, rural counties under 100K.
No Entity
Individual borrower where an LLC is required.
Thin Experience
Construction / structural rehab with no track record.
Poor Condition
Deferred maintenance on a DSCR rental.
Missing Docs
No contract, budget, or value support.
Whether you're a first-time flipper, a seasoned builder, or an investor who's been told no, there's almost always a path forward. The better the file, the stronger the terms and the smoother the close.