Loan programs
Investor loan programs with the terms on the page.
Fix and flip, bridge, ground-up construction, DSCR rental and multifamily financing for real estate investors. Every program is a business-purpose loan to an LLC on non-owner-occupied property. Send the file once, with the forms underwriting asks for, and we place it with the lending partner whose credit box it fits.
Choose the structure that matches the deal
Fix & Flip
Up to 90% of cost and 75% of ARV, rehab released in draws. 620 FICO. Closes in 7–15 days.
Fix and flip terms →Bridge
Up to 75% of as-is value to close fast, pay off a maturing loan or pull equity. 12–18 months.
Bridge terms →DSCR Rental
Up to 80% LTV qualified on the rent, not your income. Rates from 6.25%. DSCR down to 0.75x.
DSCR terms →Ground-Up Construction
Up to 80% of cost for builders with a ground-up track record. $300k–$8M, 12–24 months.
Construction terms →Multifamily & Mixed-Use
Bridge to 75% of cost for value-add, then DSCR to 75% of value once stabilized.
Multifamily terms →Hard Money
All four short-term programs side by side: asset-based, no tax returns, 7–15 day closings.
Hard money overview →Side-by-side
| Program | Max leverage | Min FICO | Loan size | Term | Rates from |
|---|---|---|---|---|---|
| Fix & flip | 90% LTC · 75% ARV | 620 | $115k–$8M | 12–18 mo | 10.25% |
| Bridge | 75% LTV | 620 | $115k–$8M | 12–18 mo | 10.25% |
| Ground-up | 80% LTC · 65% ARV | 650 | $300k–$8M | 12–24 mo | 10.25% |
| Multifamily bridge | 75% LTC · 65% ARV | 670 | $300k–$8M | 12–18 mo | 10.25% |
| DSCR 1–4 units | 80% LTV | 640 | up to $3.5M | Long term | 6.25% |
| DSCR 5+ / mixed-use | 75% LTV | 700 | $400k–$2M | Long term | 6.25% |
Every loan
The ground rules
- Business purpose only, made to an LLC or other entity
- Non-owner-occupied investment property — never your home
- Single family, 2–4 unit, condo, townhome, 5+ multifamily, mixed-use
- Full appraisal; no rural property; lot up to two acres
- Three completed deals in 36 months unlocks the best tier
What it costs to ask
Nothing, ever.
No application fee, no processing fee, no upfront fee of any kind. We are compensated by the lender when a referred loan closes. If it does not close, you owe us nothing.
We do not place consumer loans, owner-occupied mortgages, HELOCs, reverse mortgages, or unsecured personal or “gap” loans.
Not sure which one fits?
Send the deal. We will tell you which program it fits and what the terms look like, before anyone pulls credit.