Current terms
Current rates and terms
What our lending partners are offering right now on the programs we place — starting rates, maximum leverage, credit minimums and loan sizes. Most sites in this category make you call to find out whether you are in the ballpark. Here it is on a page.
By program
| Program | Rates from | Max leverage | Min FICO | Loan size | Term |
|---|---|---|---|---|---|
| Fix & Flip | 10.25% | 90% LTC · 75% ARV | 620 | $115k – $8M | 12 – 18 months |
| Bridge | 10.25% | 75% LTV | 620 | $115k – $8M | 12 – 18 months |
| Ground-Up Construction | 10.25% | 80% LTC · 65% ARV | 650 | $300k – $8M | 12 – 24 months |
| Multifamily & Mixed-Use Bridge | 10.25% | 75% LTC · 65% ARV | 670 | $300k – $8M | 12 – 18 months |
| DSCR Rental (1–4 units) | 6.875% | 85% purchase* · 80% refi · 75% cash‑out | 640 | $100k – $3.5M | Long term |
| Short-Term Rental (1–4 units) | 7.125% | 85% purchase* · 80% refi · 75% cash‑out | 680 | $100k – $2M | Long term |
| DSCR Multifamily & Mixed-Use | 6.875% | 75% LTV | 700 | $400k – $2M | Long term |
| 24-Month Interest-Only (1–4 units) | 9.425% | 75% LTV (70% over $1M) | 675 | $75k – $2M | 24 months, no prepay |
| No Minimum Credit Score (1–4 units) | 7.915% | 50% LTV | None | $75k – $2M | 30-year fixed |
| 30-Year Fixed, Low Credit (1–4 units) | 7.915% | 75% purchase · 60–75% refi | No floor | $75k – $2M | 30-year fixed |
| Jumbo Investor 1–4 units | 8.165% | 65% LTV | 600 | $2M – $10M | 30-year fixed |
| Commercial (retail, industrial, auto, mixed-use) | Per deal | 50% LTV | None | Best under $1.5M | 30-year fixed |
What your credit score opens
| FICO | What it opens |
|---|---|
| 740+ | Everything open, including 85% DSCR purchases (DSCR 1.10+) and 85% short-term rental purchases (DSCR 1.25+, experienced investors) |
| 700+ | Every program open, including first-time DSCR and DSCR multifamily; standard DSCR to 80% purchase and rate-and-term refinance, 75% cash-out; short-term rentals to 80% |
| 670–699 | All short-term programs including multifamily bridge; DSCR 1–4 units to 75% (from 660); short-term rentals to 70% (from 680) |
| 650–669 | New-investor fix and flip and bridge, ground-up construction, DSCR below 1.0 at 65% |
| 620–649 | Fix and flip and bridge for experienced investors; DSCR from 640 |
| Below 620 | 30-year fixed rentals to 75% on a purchase (refinance 60–70%), and the no-minimum-credit program at 50% of value on 1–4 units and commercial |
| No score, or recent BK / foreclosure | No-minimum-credit program at 50% of value: no seasoning after bankruptcy, foreclosure or notice of default |
The numbers people forget
Points. On short-term debt, points move the real cost more than the headline rate. Two points on a twelve-month loan is two percent of the loan on top of the interest — compare the no-points option against the lower rate.
The 85% program. The last five points of leverage on a DSCR purchase cost about 0.75% in rate against the 80% option on the same credit, and the file has to be stronger: 740+ credit, DSCR 1.10 or higher and six months of reserves after cash to close. Cash-out refinances carry their own add-on of roughly 0.25–0.375%. Price both versions before you take the higher leverage.
Prepayment penalties. DSCR loans come with a choice of one- to five-year penalty schedules, or none for about 1.00% more in rate. If there is any chance you sell or refinance early, the shorter schedule can cost less than the rate you save on the longer one. No penalty is permitted in Kansas, Maryland, New Mexico or Ohio.
Seasoning. Refinances are sized on appraised value after six months of ownership (some lending partners want twelve). Before that, the loan is sized on what you paid plus documented improvements.
What this costs you
Nothing, to find out. We charge no application fee, no processing fee, no document fee and no upfront fee of any kind. We are compensated by the lender when a referred transaction closes.
Terms compiled 23 October 2026 from current lender program sheets. Rates and guidelines change without notice and depend on experience, credit, property, leverage and loan size. All programs are business-purpose loans secured by non-owner-occupied investment property (owner-user allowed on commercial property), in the states listed below.