Common questions about how our loans work. Don't see yours? Reach out and a loan advisor will answer directly.
Hard money loans are underwritten primarily on the property and the investor's plan rather than personal income and tax returns, which lets us close faster and fund deals that don't fit a conventional bank's box.
Most fix & flip and bridge loans close in 7-10 business days from a complete application. Ground-up construction and larger portfolio loans typically take a bit longer due to plan and budget review.
No — we work with first-time investors as well as experienced portfolio owners. On our Fix & Flip program, no prior experience is required at all; other programs may see slightly more conservative leverage for first-timers.
Yes. Most of our loans close in the name of an LLC or other business entity, which is standard practice for real estate investors and keeps your investment properties off your personal credit report.
We break your renovation or construction budget into milestones. As you complete a phase, you request a draw, we verify the work (often with photos or a quick inspection), and funds are typically released within 48 hours.
We fund loans across the majority of the United States. A few states have specific licensing restrictions — your loan advisor will confirm availability for your property's location.
Our short-term fix & flip, bridge, and construction loans generally carry no prepayment penalty. DSCR rental loans may include a step-down prepayment structure, which your loan advisor will outline in your quote.
Up to 90% of the purchase price (LTC) and up to 100% of your approved rehab budget, subject to a maximum of 75% of the after-repair value (ARLTV). See the full terms on the Loan Products page.
