Loan Programs
Private loan programs for real estate investors
Private real estate financing for investors, offering fast, flexible loans based on property value and project potential not traditional bank rules.
Fix & flip loans
Short-term financing for acquiring and renovating residential investment properties with the intent to sell.
Fix & hold loans
Bridge financing for investors renovating properties they plan to hold as rentals.
Long-term rental loans
DSCR-based and rental loan options with terms ranging from 2 to 30 years.
Bridge loans
Short-term capital for stabilized or transitional properties that are not yet ready for permanent financing.
Ground-up construction
Construction financing for residential development projects from land acquisition through completion.
Cash-out refinance
Leverage existing equity to reinvest, expand portfolios, or recapitalize projects.
Funding options for every
property & project
Fix & flip / fix & hold loans
Purpose
Finance the purchase and renovation of residential investment properties.
Property types
- Single Family
- 2–4 Unit Residential
Loan amount
$50,000 – $3,000,000
Leverage
- Up to 85% of purchase price
- Renovation costs may be included
Term length
12–24 months
Recourse
Full Recourse
Long-term rental loans (DSCR)
Purpose
Permanent financing for stabilized rental properties.
Loan terms
2–30 year options available
Underwriting
- DSCR-based
- Based on in-place or market rents
Property types
- Single Family
- 2–4 Unit Residential
Use cases
- Refinance bridge or fix-and-hold loans
- Portfolio stabilization
Bridge loans
Stabilized bridge (no DSCR)
Purpose
Bridge financing for recently renovated or constructed properties listed or soon to be listed for sale.
Loan terms
$50,000 – $3,000,000
Term length
12 months (up to 18 months at lender discretion)
Property types
Single Family, 2–4 Unit, Townhomes, PUDs, Warrantable Condos
Leverage
- Max LTC: 85% of purchase price plus verified completed capex (if owned < 6 months)
- Max LTV: 70%
DSCR exit bridge
Purpose
Bridge financing for rental properties not yet ready for permanent financing.
Minimum DSCR
1.10 exit DSCR (based on lower of in-place rent or market rent)
Loan amount
$50,000 – $3,000,000
Term length
12 months (up to 18 months at lender discretion)
Leverage
- Max LTC: 85%
- Max LTV: 70%
Grounded up construction loans
Property Types
Residential (1–4 Units)
Loan amount
$50,000 – $3,000,000
Loan to ARV
Up to 70%
Term length
12–24 months
Recourse
Full Recourse
Loan to cost (LTC)
- Up to 75% of the lower of land value or purchase price
- 60% if unpermitted
- Up to 100% of construction costs
- Maximum 85% of total project costs
- Up to 90% total project costs with financed interest reserve
- LTC catch-up draw available post-closing upon approval of required plans and permits
Cash-out refinance
Purpose
Access equity from existing properties to fund new investments or recapitalize projects.
Eligible properties
- Residential investment properties
- Stabilized or transitional assets
Use of funds
- Portfolio growth
- Capital redeployment
- Liquidity events